Your credit report
When can someone see my credit report?
Credit reporting agencies are allowed to release your credit report only in these situations:
- When someone needs to use your report to give you credit, collect a debt, rent you a house or apartment, hire or promote you at work, give you insurance, or do other business with you.
- When you give someone permission to check your credit report. This permission must be in writing. For example, you usually give permission when you apply for a loan or a credit card, or when you want to rent an apartment.
- When another law says the government can see your report to check if you are eligible for a benefit. For example, this happens if you apply for social assistance.
- When the Ministry of Government and Consumer Services is looking into a complaint, they can order a credit reporting agency to give them your report.
- When a court orders a credit reporting agency to give your report to someone.