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Sites offering FREE credit reports
> Free Credit Report from Credit.com
> Free Credit History and Score from Consumer Info
NOTE: Free reports are brief and are usually from only one Credit Bureau.

Paid Reports
> Equifax 3-in-1 Credit Report
> Full Credit History from ALL three credit bureaus in one place.

Credit Repair & Debt Counseling
> Debt Consolidation

Personal Loans
> Personal Loan Site

Information provided by Credit Report Providers












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Borrowing
Check your credit history

Check Your Credit History

A credit rating is a measure of how dependable you are in repaying your debts. A good credit rating goes a long way to helping you obtain credit and determining the rate you receive. Your rating is not established by the government or by financial institutions - it is established by you.

Credit bureaus create a detailed report containing information such as personal identification, your credit history, public records with an effect on your credit and a list of parties you have authorized to access this information. For example, if you pay your bills on time, or if you repay a loan, you will be in good standing with the credit bureau. So, when it's time to borrow, a lending institution will know that you are credit worthy.

How do I find out what my credit rating is?

You have the right to see the information in your credit bureau file, which includes your credit rating. Contact one of Canada's credit bureaus to receive a copy of your credit report by mail, free of charge. For a fee, you can also view your credit report online. Check your report carefully - if there are errors in the payment information on your credit report, you should send a letter to the credit-reporting agency requesting rectification of your records.

For more information, contact one of the credit bureaus directly at:

TransUnion Canada: 1-866-525-0262

Equifax Canada: 1-800-465-7166

How do I establish a good credit rating?

The easiest way to establish a good credit rating is to pay your bills on time. Another way is to apply for a credit card. If you use it responsibly and at least make your minimum payments, you can develop a history of good credit.

Interested in building a strong credit profile?
We're here to help. Call Telephone Banking at 1-866-525-8622 or visit any CIBC branch.



The information in this article is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual.