What is in my credit report?

Your credit report may contain the following information:
Personal information

• Name
  
• Date of birth
  
• Current and previous addresses
  
• Current and previous telephone numbers
  
• Social Insurance Number (SIN)
  
• Driver’s licence
  
• Passport number
  
• Current and previous employers
  Credit history information
  

• Creditaccountsandtransactions,suchascreditcards,retailorstorecards,linesofcreditandloans
  
• Telecommunications accounts, such as mobile phone and Internet
  
• Negative banking information, such as chequing and savings accounts closed “for cause,” due to money owing or fraud committed by the account holder, and bad cheques (also called non-sufficient funds or NSF cheques)
  
• Public records, such as bankruptcy and legal judgments, and registered items, such as a lien on a car or house that allows the lender to seize it if you do not make payments
  
• Debts sent to collection agencies
  
• Inquiries from lenders and others who request your credit report
  
• Remarks including consumer statements, fraud alerts and identity verification alerts. 
  

Is my mortgage included in my credit report?
Your mortgage information and your history of mortgage payments may appear in your credit report and may count count toward your credit score. This depends on the practices of each credit reporting agency.
A home equity line of credit that is added to your mortgage will be treated as part of your mortgage for your credit report. If your home equity line of credit is a separate account from your mortgage, it can be reported separately.