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Your credit report is one of the most important documents out there. It’s beneficial in helping you secure loans or qualify for financial services. It’s the definitive document that outlines your entire credit and financial history, as well as existing debt, bankruptcy, late or pending payments and available credit.  Read More

A credit score represents creditworthiness, or a person’s ability to repay their debts as promised. Having a high credit score is generally understood to be a good thing, as the score is often used as an important factor in deciding whether or not you will be approved for certain loans and the insurance rates available to you.  Read More

In Ontario there are two main credit reporting agencies: Equifax and TransUnion. These agencies keep track of your past and present: personal information, credit information, debt, and credit related enquiries.  Read More