Taking Charge of Your Credit Report - Revision history

Drew Jackson: Drew Jackson moved page Credit Reports (No. 249) to Taking Charge of Your Credit Report: Taking out recording numbers

2023-11-07T01:27:06Z

Drew Jackson moved page Credit Reports (No. 249) to Taking Charge of Your Credit Report: Taking out recording numbers

← Older revision		Revision as of 01:27, 7 November 2023
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Drew Jackson: /* What can’t be in your credit report */

2023-11-07T00:40:50Z

What can’t be in your credit report

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	* any other negative information about you		* any other negative information about you

	If you notice something in your credit report that shouldn’t be there, we can help you get it fixed. See [https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-reports~~/fixing-mistake~~-your~~-credit-report fixing a mistake in your credit report].		If you notice something in your credit report that shouldn’t be there, we can help you get it fixed. See [https://www.peopleslawschool.ca/fixing-mistake-credit-report/ fixing a mistake in your credit report].

	===Your credit score can help you understand your credit report===		===Your credit score can help you understand your credit report===

Drew Jackson: /* Where your credit report and credit score come from */

2023-11-07T00:39:53Z

Where your credit report and credit score come from

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	There are two main credit reporting agencies in Canada: Equifax and TransUnion. They gather your information into a '''credit report'''.		There are two main credit reporting agencies in Canada: Equifax and TransUnion. They gather your information into a '''credit report'''.

	You’re entitled to a free copy of yours. We offer guidance on how to get it. See [https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-reports~~/ordering~~-your~~-credit-report ordering your credit report].		You’re entitled to a free copy of yours. We offer guidance on how to get it. See [https://www.peopleslawschool.ca/ordering-credit-report/ ordering your credit report].

	The credit reporting agencies plug your credit information into mathematical formulas to come up with your '''credit score'''. A high credit score is good. It means you’re a good bet to lend money to — because you’re seen as likely to pay it back.		The credit reporting agencies plug your credit information into mathematical formulas to come up with your '''credit score'''. A high credit score is good. It means you’re a good bet to lend money to — because you’re seen as likely to pay it back.

Drew Jackson: /* Your credit score can help you understand your credit report */

2023-11-07T00:39:26Z

Your credit score can help you understand your credit report

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	Credit reporting agencies don’t have to say how they calculate credit scores. And lenders often have their own ways of doing the math. So your credit score might be slightly different depending on who came up with it.		Credit reporting agencies don’t have to say how they calculate credit scores. And lenders often have their own ways of doing the math. So your credit score might be slightly different depending on who came up with it.

	We offer guidance on how to boost your score. See [https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-reports~~/improving~~-your~~-credit-score improving your credit score].		We offer guidance on how to boost your score. See [https://www.peopleslawschool.ca/improving-credit-score/ improving your credit score].

	===Go deeper===		===Go deeper===

Drew Jackson: /* Go deeper */

2023-11-07T00:35:42Z

Go deeper

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	===Go deeper===		===Go deeper===
	If you're interested, we have more on everything we've covered here. S[https://www.peopleslawschool.ca~~/everyday-legal-problems/money-debt/credit-reports~~/taking-charge~~-your~~-credit-report ee our in-depth information on taking charge of your credit report].		If you're interested, we have more on everything we've covered here. [https://www.peopleslawschool.ca/taking-charge-credit-report/ See our in-depth information on taking charge of your credit report].

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Drew Jackson at 19:13, 6 November 2023

2023-11-06T19:13:08Z

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	{{REVIEWEDPLS \| [https://leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Co. and ~~[https://www.lawsociety.bc.ca/lsbc/apps/lkup/mbr-details.cfm?encrypted=%2C%27%2A%3B%5E%200Y%2D%24%5C%3D%3EG%3F%5D%5D%0A~~ Casey Harris], Barrister & Solicitor\|date= February 2020}} {{Dial-A-Law TOC\|expanded = money}}		{{REVIEWEDPLS \| reviewer = [https://leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Co. and Casey Harris, Barrister & Solicitor\|date= February 2020}} {{Dial-A-Law TOC\|expanded = money}}
	Your credit report shows your history of paying bills and borrowing money. It’s used to calculate your credit score. Here are key things to know about how credit reports work.		Your credit report shows your history of paying bills and borrowing money. It’s used to calculate your credit score. Here are key things to know about how credit reports work.

Elena Renderos at 06:54, 2 October 2023

2023-10-02T06:54:22Z

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Drew Jackson: /* You have the right to see your credit report for free */

2019-03-29T21:58:53Z

You have the right to see your credit report for free

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	===You have the right to see your credit report for free===		===You have the right to see your credit report for free===
	A ~~'''~~credit report~~'''~~ contains details of a person's history of paying bills and borrowing money, and other information about them. Credit reports are prepared by '''credit reporting agencies''', also called credit bureaus. The two main ones in Canada are [https://www.consumer.equifax.ca/ Equifax] and [https://www.transunion.ca/ TransUnion]. These agencies collect information from banks and businesses, and from public documents like court and marriage records.		A credit report contains details of a person's history of paying bills and borrowing money, and other information about them. Credit reports are prepared by '''credit reporting agencies''', also called credit bureaus. The two main ones in Canada are [https://www.consumer.equifax.ca/ Equifax] and [https://www.transunion.ca/ TransUnion]. These agencies collect information from banks and businesses, and from public documents like court and marriage records.

	Under the [https://www.canlii.org/en/bc/laws/stat/sbc-2003-c-63/latest/sbc-2003-c-63.html#sec23_smooth law in BC], you have the right to see your credit report. The credit reporting agencies must mail you a free copy if you ask. You can call Equifax toll-free at 1-800-465-7166 or TransUnion at 1-800-663-9980.		Under the [https://www.canlii.org/en/bc/laws/stat/sbc-2003-c-63/latest/sbc-2003-c-63.html#sec23_smooth law in BC], you have the right to see your credit report. The credit reporting agencies must mail you a free copy if you ask. You can call Equifax toll-free at 1-800-465-7166 or TransUnion at 1-800-663-9980.

Drew Jackson at 21:58, 29 March 2019

2019-03-29T21:58:29Z

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	{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}		{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}
	A credit report shows your history of paying bills and borrowing money. Banks and others considering doing business with you look at your credit report to decide whether you’re trustworthy.		A '''credit report''' shows your history of paying bills and borrowing money. Banks and others considering doing business with you look at your credit report to decide whether you’re trustworthy.

	==Understand your legal rights==		==Understand your legal rights==
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	:Web: [http://www.nomoredebts.org/ nomoredebts.org]		:Web: [http://www.nomoredebts.org/ nomoredebts.org]


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Elena Renderos at 07:59, 28 March 2019

2019-03-28T07:59:56Z

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			{{REVIEWEDPLS \| reviewer = [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company\|date= October 2017}} {{Dial-A-Law TOC\|expanded = money}}
	{{~~Dial~~-~~A-Law Blurb~~}}

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	A credit report shows your history of paying bills and borrowing money. Banks and others considering doing business with you look at your credit report to decide whether you’re trustworthy.		A credit report shows your history of paying bills and borrowing money. Banks and others considering doing business with you look at your credit report to decide whether you’re trustworthy.

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	:Web: [http://www.nomoredebts.org/ nomoredebts.org]		:Web: [http://www.nomoredebts.org/ nomoredebts.org]



	~~[updated October 2017]~~

	~~'''The above was last reviewed for legal accuracy by [http://www.leighco.ca/wendy-andersen Wendy Andersen], Digby Leigh & Company.'''~~

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