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Your credit rating is like a financial report card, which creditors use when assessing your credit-worthiness.
Many Canadians don't realize they can and should regularly review their own credit report; to correct outdated or inaccurate information, to understand why they may have been declined credit, or to protect their information from identity theft.
Your credit report includes personal information about you, as well as details about your credit products and payment history.
Information about past bankruptcy, judgements, tax liens and other items will also be included, if applicable. Scotiabank is pleased to offer the convenience of links to Equifax Canada, a recognized leader in the consumer and commercial credit reporting and information services industry.
To obtain your credit report at no charge, simply download and mail the Credit Report Request Form to Equifax Canada Inc., or call Equifax at (1-800-465-7166). For a one-time fee, request your credit report online and access it any time for up to 30 days.