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Free Canadian Credit Report and Free Canada Credit Score

Get your free credit report and free credit score in Canada Online! Your free 7-day trial includes a free canadian credit report, free canadian credit score. 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.

Canadian 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.

Credit Report Inquiries

Anyone who has acquired your canadian credit report through a transaction. Note that personal inquires do not appear here.

Personal Credit Information

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

Public Credit Information

Financial information taken from public records and may include bankruptcies, liens, and child support payments if overdue.

Do they record everything?

Understanding what they do not record can be more 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 will not see your checking account, ethnic background, gender, marital status, medical history, political affiliation, religious affiliation, or savings account on your online credit report.

Get your Free Credit Report and Free Credit Score in Canada Online! Get your free canadian credit report and free credit score today.

Free Canadian Credit Score

A credit score is a numerical representation of how likely you are to pay your debts in a timely manner. It is calculated by a certain mathematical formula based on the statistical analysis of your free canada credit report. This three digit credit score determines your creditworthiness, your ability to repay your loan. It is therefore an important statistic determining your financial future. Credit scores are used by lenders like banks and credit card companies to anticipate the risk involved in lending to a certain customer. These lenders use the canada credit score to determine the rate at which they should lend you money.