canadian credit report

Canadian Credit Report Advice

CANADA CREDIT REPORTS  > Examine Your Canadian Credit Report

Date: October 23, 2002
By:     James Nessalk

Credit Report Canada lets you examine your Canadian credit report

Credit Report Canada wants to empower citizens with their own Canadian credit report. You are certainly entitled to know where you stand with any bank, credit card company or other lending institution. It evens the playing field, since the lenders already have that information about you. They set the interest rate they offer based on this credit report in Canada. A Canadian knowing his/her credit report makes negotiating that rate much easier.

The result can be big savings in interest paid. Even just a quarter point of interest on your mortgage means thousands of real after-tax dollars in your pocket … where they belong! Getting a lower-interest credit card keeps hundreds of loonies in your bank account … instead of theirs. 

Credit Report Canada makes a Canadian credit report available to you 

Often when people start to seriously address their financial situation, quite frankly they are afraid of what they might find out. But it’s not knowing that is really scary. I discovered for instance, that my credit history was actually perfect, but that I was carrying too many credit cards. It hurt my credit rating. So debt consolidation, followed by closing out several accounts, was the strategy suggested in my copy of the credit report. Not so scary after all!

As a result, I felt much better walking into the bank and discussing my plan with Sheila, the loan officer, knowing there weren’t any skeletons lurking the credit closet. In fact, she was actually impressed with my approach, and gave me the rate available to the bank’s best customers. It made the small fee one of the best investments I’ve made in my financial future.

Visit for your own online Canadian credit report. It will be one of the smartest moves you make today.

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Credit Report Tip
You should get a credit report for both you AND your spouse since you both have different credit histories.