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As a member of Privacy Protection Plus, you'll have full access to a wide range of security benefits and services, including ...
  • A personal credit profile and credit score1
  • Credit monitoring1 updates
  • Up to $25,000 worth of identity theft insurance coverage2
  • Delivered to you online quickly and securely
Privacy Protection Plus will help you...
  • Make sure your information is accurate and up-to-date before it adversely affects your ability to secure loans, insurance coverage or more.
  • Keep track of changes — or, worse, unauthorized activity — in your personal TransUnionTM credit file.
  • Cover many of the costs associated with ID theft, including lost wages incurred as a result of taking time off to reclaim a stolen identity as well as expenses related to the recovery process. FN101
1 Credit data provided by TransUnion. Canadian residents are entitled to request a disclosure at no charge from credit bureaus. Only the member whose name appears on Privacy Protection Plus record can request a credit profile, credit score or credit monitoring.
2 Members are covered under an insurance policy issued to MemberWorks Canada Corporation and underwritten by member companies of American International Group, Inc. The description herein is a summary only. It does not include all terms, conditions and exclusions of coverage. The complete details of coverage and exclusions are set in the actual policy of insurance issued to MemberWorks Canada Corporation. Coverage may not extend to all jurisdictions. Debit Card Fraud Protection: Maximum of $500 per debit card per membership year. Debit card fraud protection coverage subject to a $1,000 annual aggregate limit.
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Your Credit Report

Get your Free Credit Report and Free Credit Score in Canada Online Today! Get your Free Canadian Credit Report plus a Free Canadian Credit Score and start monitoring your credit today.

It’s All in the Details

So what exactly does a credit report bureau record? Below you’ll see the type of information found on your credit report that affect your credit score. This information is available to anyone that purchases your canadian credit report.

Credit History

This primary section of your canada credit report lists all your accounts (sometimes even inactive/closed ones) and includes: credit limits, available credit, loan amounts, loan balance, payment history, and terms. Note that accounts in your name, as well as ones where you are an authorized user appear.

Inquiries

This section lists anyone who has acquired your credit report through a transaction. Note that personal inquires do not appear here.

Personal Information

This section lists information gathered from filling out credit applications and includes: name, Social Security Number, current address, past addresses, birthday and employment history.

Public Information

This section lists financial information taken from public records and may include bankruptcies, liens, and child support payments if overdue.

Do they record everything?

The quick answer to this is no. Understanding what they don’t record can be important. For example, it may come as a relief to know that after ten years, bankruptcies are removed from your credit report and will no longer affect your canadian credit score. Inactive/closed accounts can take up to eleven years to be removed, while resolved delinquent accounts or collection items are removed after seven years.

You won’t see your checking account, ethnic background, gender, marital status, medical history, political affiliation, religious affiliation, or savings account on your credit report.

Get your Free Credit Report and Free Credit Score in Canada Online Today! Get your Free Canadian Credit Report plus a Free Canadian Credit Score and start monitoring your credit today.