What to look for on your personal credit report

Unexpected inquiries, address changes, or account activity on your credit report can indicate an identity thief has tried (or succeeded) getting credit in your name.

Investigate any listed loans, credit cards, or public records that are not yours.

Look for account balances and current or late payments on accounts that you know should be listed as closed or inactive.

Credit reports make credit buying fast, easy and safe for qualified applicants. Home ownership, automobile ownership, and the convenience of purchasing by credit card are just some of the benefits of credit reports in our society today.

What is in your Canadian credit report?

Identification information. Name, address (and previous address), Social Insurance Number, telephone, birth date, employment. 

Credit history.  Your credit accounts and loans with retail stores, banks, finance companies, credit unions and others, showing balances, credit limits, late payments, and on-time payments. 

Public records. Judgments, bankruptcies, registered items.

Inquiries.  A record of who has seen your credit report.

Experian Canada	Experian Canada, Inc. 150 King Street West, Suite 805 P.O. Box 68 Toronto, Ontario, Canada M5H 1J9 Experian Canada credit report request form.
Trans Union of Canada (For all provinces except Quebec)	TransUnion Canada Consumer Relations Center PO Box 338, LCD 1 Hamilton, Ontario L8L 7W2 TransUnion credit report request form.
(For Quebec residents)	Trans Union (Echo Group) 1600 Henri Bourassa Boul Ouest Suite 200 Montreal, PQ H3M 3E2 TransUnion credit report request form.
Equifax	Equifax Canada Inc. Consumer Relations Department Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 Equifax credit report request form