4.5.3 What's in your credit report?

Your credit report is a history of how you have met your financial obligations. The report is created when you first borrow money or apply for credit. Lenders send the credit reporting agencies regular updates on your payment history—for example, when you applied for credit, if you make your payments on time, if you miss a payment, or if you have gone over your credit limit.

Canada's two main credit bureaus use slightly different forms for credit reports, but they include the same types of information, including:

To see sample credit reports from Equifax and TransUnion, see the Financial Consumer Agency of Canada’s information on Credit reports and scores.

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