Difference between revisions of "Taking Charge of Your Credit Report"

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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.
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