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Credit score

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] Learn more about your credit report on Whose Data?

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]

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


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


There is no way to access your credit score for free, as it not part of a regular credit report (which you can access for free - more on credit reports here).

There are two national credit bureaus in Canada: Equifax Canada and TransUnion Canada. Each will have a credit score for you, and experts recommend you check both.

At the time of writing, to access your credit score Equifax charges CAD $23.95 and TransUnion charges CAD $19.95 per month (I was unable to find a one-time purchase option from TransUnion).

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