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Understanding Your Credit Report

Latest Credit Report Articles

How Long Does Credit Information Stay On Your Credit Report?

By Caitlin Wood, BA
Updated on September 20, 2024

A comprehensive look at how long credit information is recorded by the credit reporting bureaus.

How To Protect Your Credit Report

By Lisa Rennie
Updated on September 11, 2024

Your credit report is extremely important to your financial life. Learn how to protect your credit report from fraud and innocent mistakes.

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Disclaimer: All loans are subject to credit and underwriting approval. Loans Canada is a loan search platform and comparison website, not a lender. Loans Canada only works with financial service providers that adhere to Canadian laws and regulations. Loans range from $250-$50,000 with terms from 3 months to 60 Months or longer. APRs range from 9.99% to 35% and will depend on our partner's assessment of your credit profile. For example, on a $500 loan paid monthly over 9 months, a person will pay $81.15 per month for a total of $730.35 over the course of the entire loan period. This amount includes our partner's optional loan protection policy. In the event of a missed payment an insufficient funds fee of around 45$ may be charged (dependent on the lender). In the case of a default on your loan your payment plan will be terminated and different collection methods will be employed to collect your remaining balance. Outstanding debts will be pursued to the full extent of the law. Our lenders employ fair collection practices. Loans Canada is not affiliated with Equifax Canada Co., its parent company, subsidiaries or its affiliates (collectively, "Equifax"). The content of this website is not reviewed nor approved by Equifax. Loans Canada is an authorized reseller of the Equifax Risk Score, however, Equifax does not endorse, guarantee or recommend any of the products, services or content on this website. For information about Equifax, the Equifax Risk Score, and/or Equifax credit reports, please visit the official Equifax Canada Co. website at https://www.consumer.equifax.ca/personal/. IP Geolocation by geoPlugin.

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