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Credit report


A credit report contains information about every loan you've taken out in the last 6 years — information like how much you owe, what you limit is on each account, whether you've paid on time and what authorized vendors have accessed your file. [source]

A credit rating or credit score is a mathematical formula that translates the data in the credit report into a three-digit number that lenders use to make credit decisions. The numbers go from 300 to 900. The higher the number, the better your score (and the more likely you are to get approved for a credit card or mortgage, and so on). Your credit score is not part of a regular credit report. [source] Learn more about your credit score on Whose Data?

Do I legally own the data this org has about me?


Can I see all the data they have about me, for free?


In Canada, you have the right to ask for a free copy of your credit report by mail.

There are two national credit bureaus in Canada: Equifax Canada and TransUnion Canada. Both are obligated to provide your credit report by mail, for free. Experts recommend you check both, as the credit bureaus could have different information about your credit history.

The Government of Canada provides a good overview of how to request a copy.

Both Equifax and TransUnion also have options for you to pay for instant, online access to your credit report.

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