Check your credit report

Equifax and TransUnion are the two main consumer reporting agencies in Canada. They prepare reports.

Consumer reporting agencies must mail you a free copy of your report if you ask them to. You can ask for a free once each year. You can also get your report online, but you might have to pay for that. You have to pay to get your .

The information they give you must be easy to read.

It’s a good idea to contact both agencies because they might have different information about you in their records.

Review the information in your file. If you think there is a mistake in your credit report, you should tell the and your . For example, if your credit report says that you have not made regular payments on your car loan and you know you have, you should tell the creditor as well as the credit agency.

Information in your report

Credit agencies must use the best information about you they can find. For example, if the hydro company says you owe them money, they should give the credit agency copies of your unpaid bills to prove it.

Ontario law says what can and cannot be included in a credit report. A credit report can include credit information and .

If you filed a , it will be noted on your credit report for 3 years after you pay the money back. A first  will be on your credit report for 6 or 7 years after it is discharged. A second bankruptcy will stay on your credit report for 14 years or more.

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