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Free Credit Report Canada - How to Find Out Why Your Credit Score is Low

Understanding Canadian Credit Ratings

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Your credit report can be your life. If you have poor credit, you will not be able to get a loan, buy a house or car, get an apartment or even get some jobs. The first step in fixing your credit is to get a free credit report in Canada and see what blemishes you have on your record. You cannot fix your credit if you do not know why it is so low.

You may have perfect financial records and still have a bad credit rating. This has more to do with the bad practices of credit card companies than your spending habits do. It is important to know your credit score and work to keep it good.

The main Canadian credit reporting company is Experian. You can get a free report in person or in the mail from Experian and the other major credit reporting bureaus. You can go to the bureau’s website and fill out a form. Once the form is filled out, you will mail it and your report will be sent to you. You can also go to the bureau’s office and request the report. Your report will have your name, current address, previous addresses, and all of your employers, past and present. It will also contain all of your credit information. Credit reports do not just have the credit cards and loans that you currently have. They also contain every loan or credit card application that you have submitted, whether accepted or declined.

The report also includes your personal banking information. When a company runs your credit report, they will see every NFS and bad check you have written. They will also see if you have any legal issues associated with your name. If you have a court related judgment against you, it will be listed on your credit report and your score will reflect it.

When you are looking at your credit report, you will see all of the payments you have made to your creditors. Credit card companies will make reports against your credit each time you are late for a payment. Even if you make the payment in their grace period, it is noted on the credit report and you are penalized for it. You need to make sure every payment you make is received on or before the due date to keep your credit score good.

Take your future in your hands today and get a free credit report in Canada. Take the steps you need to today to fix your credit and have a prosperous future. Once you have a copy of your credit report, you can begin the process of fixing your credit.

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