Get Your Credit Score and Credit Report

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What's a Credit Score?

A credit score is a three-digit number that contributes to your creditworthiness as a borrower (lenders and creditors look at many factors when determining creditworthiness). In Canada, credit scores range from 300 - 900 and are based on the information compiled in your credit reports. Though it may just be a number, it can be significant in certain financial situations and likely will impact you throughout your financial life. It is a measure that lenders, creditors, and other parties such as insurance companies, and landlords, use to determine the likelihood that you’ll make your payments on time.

A high credit score can indicate to potential lenders that you're a financially responsible person who is likely to repay your debts on time. While a low credit score either means you have not had enough time to build a credit score or you've struggled with financial problems in the past.

What's Included on a Credit Report?

A credit report is a file that contains your credit history. Not all your credit accounts and actions are reported to both credit bureaus. This means you may have two slightly different credit reports. Your credit reports will include personal information, what credit accounts you have, payment history, public records, and inquiries.

Personal Information

This includes information like your name, phone number, address, SIN, employment information, etc.

Public Records

Things such as bankruptcy, foreclosure, a lawsuit, tax debt, etc. will be reported and accessible to those who pull your credit.

Credit Payments

This includes any payments made to a lender like a bank or a creditor like a credit card provider.


Anything from a cell phone to a mortgage can be subject to a credit check. Every credit check you've been through will be reported.

Why Checking Your Credit Score and Report is Important?

Having access to your credit scores and reports will allow you to know where you stand before a potential lender pulls your credit. Being able to check your credit will give you the upper hand when dealing with different creditors in your life. Whether you're looking to finance a car, a house, or make a large purchase, many, but not all, creditors will check your credit to determine your creditworthiness.

When a creditor or lender requests your credit report as part of their decision-making process, a hard inquiry is recorded in your credit file. Hard inquiries remain in your credit file for up to two years and can in some cases impact your credit score. By verifying your credit ahead of time you can get ahead of the game and make decisions that are best for your situation.

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