Credit bureaus maintain accurate databases of borrowing history, but the data is not perfect because it is supplied by humans, who can make mistakes. You do not want to be rejected for your next loan because the wrong address is listed on your report or there is a misspelling of your name. This is also a good time to ensure you have not been the victim of identity theft. Check to make sure that accounts listed or applied for were done by you.
The first thing to do if you find an error is to contact the credit reporting agency, and inform them of the error. The credit reporting agency will contact the financial institution that reported the information to confirm it is indeed an error.
※ How can I get a copy of my credit record?
There are two ways to get your credit report (also known as a ‘credit file disclosure’ or a ‘consumer disclosure’): either through the mail or via the internet. If you want to obtain your credit report for free, you must use the mail. It is also important to do what you can to make sure your credit report shows a history of reliable credit repayments, and as few unfavorable repayment incidents as possible.
For more detailed information related to credit reporting, visit Equifax Canada or Trans Union website.
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