Sample credit report from Equifax Canada
Note:
This example is for illustration purposes only and may not include all information typically provided in a credit report or score. FCAC has modified the presentation for online display. This example may not appear in exactly the same way as the credit report or score you receive from a credit reporting agency.
P.O.BOX 190 STATION JEAN TALON
MONTREAL QUEBEC H1S 2Z2
CHERYL CONSUMER
1234 MAIN ST
MONTREAL QC, H1T 5S9
NOT TO BE USED FOR CREDIT PURPOSES
RE: EQUIFAX REFERENCE NUMBER: 0040735821
Dear CHERYL CONSUMER,
Further to your request, a disclosure of your personal credit file as of 10/20/11 follows:
PERSONAL IDENTIFICATION INFORMATION
Check to see if your personal infomation is correct.
The following personal identification information is currently showing on your credit file. Your date of birth and social insurance number have been partially masked to protect your personal information (ie: Birth Date/Age: 01/XX/60, Social Insurance Number: 123-XXX-789).
Date File Opened: 03/01/90
Name: CHERYL CONSUMER
Current Address: 1234 MAIN ST, MONTREAL, QC, H1T 5S9
Date Reported: 01/11
Previous Address: 5567 BLUE AVE, TORONTO, ON, M1N 3A8
Date Reported: 05/07
Prior Address: 642 PACIFIC RD, VANCOUVER, BC, V1A 2K6
Date Reported: 03/90
Marital Status: Married
Current Employment: CEO, ABC LTD
Date Employed: 12/07
Date Verified: 05/10
Previous Employment: SENIOR EXECUTIVE, ORANGE INC
Date Employed: 09/90
Date Left: 03/95
Prior Employment: BUSINESS ANALYST, BIG BLUE GROUP
Other Income:
Date Reported: 11/10
Source: FINANCIAL MARKETS
Amount: $90,000
Birth Date/Age: 1980/XX/10
The Date of Birth/Age was first reported on 2010/01/01.
Social Insurance Number: 267-XXX-666
The Social Insurance Number was first reported on 2010/01/01.
Telephone: 555-555-5555 EXTN: 8080, TYPE: RESIDENTIAL/HOME,
The Telephone Number was first reported on 2010/12/07 and was last received on 2011/10/20.
Telephone: 999-999-9999 EXTN: , TYPE: BUSINESS,
The Telephone Number was first reported on 2011/01/15 and was last received on 2011/07/09.
Driver's License: A123456789010
EXPIRY DATE: 2016/08/01 PROVINCE: QC
The Driver's License Number was first reported on 2011/05/19. Our records show, that you have provided proof in the form of a hard copy confirming that this piece of personal identification data belongs to you.
Passport Number: 123456789ABC0005555
EXPIRY DATE: 2016/09/01 COUNTRY: CAN
The Passport Number was first reported on 2011/02/10. Our records show, that you have provided proof in the form of a hard copy confirming that this piece of personal identification data belongs to you.
CREDIT INQUIRIES ON YOUR FILE
An unusual increase in the number of inquiries can have a negative impact on your credit score.
Following is a list of Equifax members who have received a copy of your credit file for credit granting or other permissible purposes. Addresses are available by calling Equifax at 1-555-555-5555.
| DATE | REQUESTORS NAME | TELEPHONE NUMBER |
|---|---|---|
| 08/07/11 | BQE BANK | (555) 555-5555 |
| 03/13/11 | ABC INSURANCE | (555) 555-5555 |
| 06/27/10 | STORE XYZ | (555) 555-5555 |
| 05/14/10 | FURNITURE SKY | (555) 555-5555 |
| 04/10/10 | INTLUSA | 401BB99999 US BANK |
| DATE | REQUESTORS NAME | TELEPHONE NUMBER |
|---|---|---|
| 10/20/11 | CHERYL CONSUMER | (NOT DISPLAYED) |
| 01/22/11 | STORE XYZ | (NOT DISPLAYED) |
| 01/22/11 | STORE XYZ | (NOT DISPLAYED) |
Negative information can only be kept on your credit report for a certain length of time which depends on the province or territory you live in.
CONSUMER INTERVIEWS AND OTHER SERVICES
CREDIT HISTORY AND/OR BANKING INFORMATION
The following information was reported to us by the organizations listed below. Information is received every 30 days from most credit grantors. All account numbers with your creditors have been masked to protect your personal account information and only the last three digits will be displayed (i.e: xxx...123).
* This item is not displayed to all credit grantors.
BQE LIFE (555) 555-5555 last reported to us in 2011/10/09 rating your mortgage account as M1, MEANING PAID AS AGREED AND UP TO DATE. At that time the reported balance of your account was $625,999. Your account number is XXX...210. The account was opened in 2006/08/02. The highest credit amount on the account to date is $750,755. The payment amount is $2,500 with a monthly payment frequency.
Payment Profile of Account:
The account has been 2 payment periods past due 0 times.
The account has been 3 payment periods past due 0 times.
The account has been 4 or more payment periods past due 0 times.
From 2010/12/03 to 2011/01/02 there has been 17 reportings for the
mortgage account with a monthly frequency and all reportings were
paid as agreed.
STORE XYZ last reported to us in 2011/10/05. Your account number is XXX...468. The account was opened in 2007/03/13. The last activity,which could be a payment, purchase or cash advance on this account was 2011/09/03. Account status: A LOST OR STOLEN CARD.
Payment Profile of Account:
The account has been 2 payment periods past due 0 times.
The account has been 3 payment periods past due 0 times.
The account has been 4 or more payment periods past due 0 times.
SKY FURNITURE last reported to us in 2011/10/09 rating your installment account as I9, MEANING A BAD DEBT, COLLECTION ACCOUNT OR UNABLE TO LOCATE. At the time the reported balance of your account was $1,109. Your account number is XXX...123. The account was opened in 2007/11/29. The account was first delinquent on 2009/05/03. The last activity, which could be payment, purchase or cash advance on this account was 2011/08/02. The highest credit amount on the account to date is $2,000. The payment amount is $167 with a monthly payment frequency. Additional comments: Closed by credit grantor.
Payment Profile of Account:
The account has been 2 payment periods past due 0 times.
The account has been 3 payment periods past due 0 times.
The account has been 4 or more payment periods past due 0 times.
From 2011/10/09 to 2011/04/07 there has been 5 reportings for the installment account with a monthly payment frequency and was reported delinquent 5 times as follows:
2011/10/09:9, 2011/07/21:5, 2011/06/03:4, 2011/05/09:3, 2011/04/07:2.
All other reportings were paid as agreed.
BQE LIFE (555) 555-5555 last reported to us in 2011/10/05 rating your revolving account as R1, MEANING PAID AS AGREED AND UP TO DATE. At that time the reported balance of your account was $58,500. Your account number is XXX...89. The account was opened in 2002/05/10. The last activity, which could be payment, purchase or cash advance on this account was 2011/09/02. The credit limit is $60,000. The highest credit amount on the account to date is $59,450. The payment amount is $1,100 with a monthly payment frequency.
Payment Profile of Account:
The account has been 2 payment periods past due 2 times.
The account has been 3 payment periods past due 1 time.
The account has been 4 or more payment periods past due 0 times.
From 2010/12/04 to 2011/01/05 there has been 11 reportings for the revolving account with a monthly frequency and was reported delinquent 3 times as follows:
2011/09/12:2, 2011/08/24:2, 2011/07/30:3.
All other reportings were paid as agreed.
BQE BANK (555) 555-5555 last reported to us in 08/11. At that time, the amount shown in your account was 3FIGM. Your account number is 222444666888. Your account was opened in 03/08. This report was provided for your checking account. The bank reports NSF cheques shown as 2 NSF CHEQUES.
PUBLIC RECORDS AND OTHER INFORMATION
The following information was reported to your file on the date indicated.
A collection was reported in 06/07 by ABC COLLECTION AGENCY in the amount of $550. Balance outstanding: $350. Creditor industry classification: BANKING. Collection Status: Unknown. Reference: ABC BANK. Date of last Payment: 04/07. Collection agency reference number: 999999.
A judgment was filed in 01/07 in C QUE MTL. Plaintiff and/or case number: ACME CO 9999123456789012345. Defendant / Other info: SUBJECT. The status is reported as Satisfied. Date satisfied: 02/10. Information verified in 08/08. Name of Lawyer: MCOURT & MCOURT.
A voluntary bankruptcy was filed in 03/06 in FED COURT. Case number and/or Trustee: 123454567 MCOURT & MCOURT. Liabilities: $80,000. Assets: $23,500. Item classification: Individual. The information is reported on the subject only. Date Discharged 12/2008.
A report was received in 10/10 by LAKE STORE for returned cheques ($999) DOLLARS CHEQUE NUMBER 123456789). Reason: NSF was due to financial issues.
A secured loan/Chattel mortgage was filed in 08/08 in Ministry. Company name and/or amount: 555512345 DCE INC 780,000 DOLLARS. Creditor industry classification BANK.
CONSUMER STATEMENT
Your personal statement, as provided to us in 10/11, is as follows:
**** WARNING ****ALERT TO VERIFY CONSUMER'S IDENTITY - PLEASE CONTACT CONSUMER AT (444)-555-5555 BEFORE EXTENDING CREDIT
____________________
Source: Equifax Canada
Other examples of credit reports and credit scores
- Sample credit score from Equifax Canada
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- Sample credit score from TransUnion Canada
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