What information is included in your credit report?
Here is a partial list of the information available in your credit report. Note that this list may include information specific to your record and to the credit bureau generating it (Equifax Canada or TransUnion Canada).
- • Your name;
- • Your date of birth;
- • Your current address and past addresses;
- • Your current and past telephone numbers;
- • Your Social Insurance Number;
- • Your driver's license number;
- • Your passport number;
- • The names of your current employer and previous employers;
- • Information regarding your credit cards, your margins and your loans;
- • Information regarding your cellular and Internet accounts;
- • Any negative information about your bank accounts;
- • Any information regarding a bankruptcy and judicial decision affecting you;
- • Information about your debts, lenders and collection agencies inquiries;
- • Information about your mortgage can also appear in your report.
How long will your information stay in your credit report?
It actually depends on the type of information that is included in your report and on the credit agency generating it (Equifax Canada or TransUnion Canada).
Here are some examples (time laps may vary):
- • All negative information about your accounts (credit cards, credit and loans) : 6 years;
- • Information about your secured assets loans such as a mortgage, rent or car loan: 6 years;
- • All negative information about your bank accounts: 6 years;
- • All credit inquiries: 3-6 years;
- • Court judgments: 6-10 years;
- • Consumer proposals: 3 years;
- • Debt repayment programs: 3 years;
- • Fraud alerts: 6 years.
Source: Pret Auto Credit