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What information does a Consumer Credit Report contain?

1. Personal Identification
   • Contains key identification information, such as your name, address, birth date and Social Insurance Number (SIN).
2. Inquiries
   • Lists all individuals or organizations that have requested a copy of your credit file in the past three years. When you apply for a loan, you authorize your lender to ask for a copy of your credit report. This is how inquiries appear on your credit report. The inquiries section contains a list of everyone who accessed your credit report within the last two years. The report you see lists both "voluntary" inquiries, spurred by your own requests for credit, and "involuntary" inquires, such as when lenders order your report to offer a pre-approved credit limit in the mail.
3. Public Record Information
   • Contains information about secured loans (liens), bankruptcies, garnishments and/or judgments.
4. Third-Party Collection Agency
   • Contains information about any involvement with a collection agency trying to settle a debt.
5. Trade Information
   • Provides details of your credit transactions and shows whether payments are being made. Each of these "trade" items are evaluated by the credit grantor.