Financial information on your credit report

Your credit report may contain the following financial information:

• non-sufficient funds payments, or bad cheques
• chequing and savings accounts closed “for cause” due to money owing or fraud committed
• credit you use, including credit cards, retail or store cards, lines of credit and loans
• bankruptcy or a court decision against you that relates to credit
• debts sent to collection agencies
• inquiries from lenders and others who have requested your credit report in the past three years
• registered items, such as a lien on a car that allows the lender to seize it if you don’t make payments
• remarks, including consumer statements, fraud alerts and identity verification alerts

Your credit report contains factual information about your credit cards and loans, such as:

• when you opened your account
• how much you owe
• if you made your payments on time
• if you missed payments
• if your debt has been transferred to a collection agency
• if you went over your credit limit
• personal information that’s available in public records, such as a bankr