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Your credit report

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What is in my credit report?

Ontario's Consumer Reporting Act is the law that says what can and cannot be included in a credit report. A credit report can include both "credit information" and "personal information".

Credit information includes:

  • your name, age, and job title
  • your spouse's name and age, if you are married or in a common-law relationship
  • how many children and other dependents you have
  • your address now and where you have lived in the past
  • your education and work qualifications, such as diplomas, degrees, and trade licences
  • where you work and your past jobs
  • your estimated income
  • your assets, such as your home or car
  • whether you have paid your bills on time, paid them late, or have bills that you have not paid at all
  • your debts, for example car loans and credit card balances
  • your regular living expenses, for example rent or mortgage payments

The credit information in your report must come from the most reliable sources the agency can find. For example, if the hydro company claims you owe them money, they should be able to supply copies of your unpaid bills.

Personal information can be almost anything else that is not credit information. Personal information often includes information about your character, reputation, health, physical characteristics, and personal habits.

Unfavourable personal information cannot be included in your credit report unless the agency has made reasonable efforts to confirm that it is true. If the agency was not able to confirm the information, your credit report must say that.