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Credit repair

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What is a credit report?

A credit report is a detailed list of your borrowing and bill-paying history, and other information about you. In Ontario, the law calls them "consumer reports". But most people call them credit reports and that is what we call them in this publication.

Businesses usually want to see your credit report before giving you credit or billing you on a regular basis. Your credit report helps them to decide if you are a good credit risk and if you are likely to pay your bills or rent on time. This is often called a "credit check".

If your credit report is bad, you may have a hard time with things like getting a credit card, borrowing money, or renting an apartment.