Your credit report may contain following information:
- Identifying information
Your credit report contains your identifying information (name, address, social insurance number, date of birth, employer) that has been compiled from previous credit applications. To insure this information remains accurate, you should be clear and consistent each time you fill out forms. For example, if you tend to include your middle initial when completing forms, do so every time.
- Credit history
Your credit information includes details of your accounts, loans, credit limits, balances and payment history. This information comes from lenders, banks and retailers.
- Public records
Credit bureaus also obtain information from public records on any history of bankruptcies, foreclosures and court judgments.
Your credit report includes a list of people who have requested a copy of your rating. Too many inquiries may be interpreted poorly, leading creditors to assume that you have been seeking credit from numerous sources.