In Canada, credit reports are a record of an individual’s credit history and are maintained by credit bureaus such as Equifax and TransUnion. These reports contain information on an individual’s credit accounts, payment history, credit inquiries, and public records such as bankruptcies or collections. Lenders, landlords, and other organizations use credit reports to evaluate an individual’s creditworthiness and ability to repay debt. Canadians have the right to access their credit reports for free once a year and can request corrections to any inaccuracies found.
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