Your TransUnion Canada credit report has several sections. Most
of the information has been provided by financial institutions where
you've made credit transactions. If your name is specified
differently (or misspelled) in a company's files, the variation will
likely appear as an alias, next to "also known as."
Personal
information is first.* Depending on whether or not the information is
known to the credit bureau, your name, aliases, date of birth, phone
number, employer, address, and previous addresses are included.
The consumer statement is shown
next. If, for example, you want to give your side of the
story for a disputed delinquency, it appears here.
The summary section of your credit profile gives a count of open and
closed accounts, delinquencies, estimated total payments,
and a count of how many credit grantors have looked at your
credit report over the last two years.
The main part of your credit file is the
account history.
For each financial institution that has reported granting
you credit, the current account status is shown, as well as
a payment history, and summary information.
Your credit report shows how many times you've been 30
days, 60 days, and 90 days late, how much is currently past
due, and, if applicable, your credit limit.
You can see when each account was opened, when the
creditor most recently reported your status to the credit
bureau, and whether or not this is a joint account (with
responsibility for repayment shared by someone else.)
Your accounts may be classified as revolving accounts
(open end term), installment accounts (fixed terms and
regular payments,) collection accounts, and others.
Where applicable, banking information,
public records, inquiries, and creditor contacts are listed.
You'll want to pay particular attention to the
Inquiries section. It shows the creditors that
have seen your credit report over the past two years.
Important: Unexpected inquiries, accounts, or
previous addresses can be simple errors, or they can be
evidence of possible
identity theft. Be sure to investigate anything that
appears to be incorrect on
your credit profile.
*Illustration only. Credit report
layout and contents may change.
