To learn your credit rating, you must order a copy of your credit report. Your report also contains information on:
- your loans, credit cards and other forms of debt
- personal data like your name, social insurance number and date of birth
- bank accounts and any NSF (bounced) cheques
- your current and past employers
- a record of any debts you’ve had referred to a collection agency.
- You must order a separate report to learn your credit score.
Tip: It’s a good idea to check your credit once a year to make sure it’s right and that you haven’t fallen victim to identity fraud.
Where to get your credit rating and credit score:
In Canada, there are two major credit-reporting agencies – Equifax and TransUnion. They don’t share information, so it’s a good idea to check both. You can get your credit report by mail for free. Or, you can get it online for a fee.
Here’s what each agency’s credit report and credit score looks like:
What if there’s a mistake? If there’s an error on your credit report, you can ask the agency to fix it. Learn more
Content in this section is provided in partnership with the Investor Education Fund, a non-profit organization promoting financial literacy to Canadians. To find out more go to GetSmarterAboutMoney.ca.