What information is kept in my credit file?
Your credit file contains information on all of your credit accounts submitted to the credit bureaus, including balances, limits, payment history, etc, as well as identification information such as your name, address, age, social insurance number, marital status, spouse’s name and age, number of dependents, occupation, and employment history.
How long is information kept on my credit file?
|Actual inquiries made by credit grantors||minimum of 3 years|
|Credit history and banking information||6 years from the last activity date|
|Bankruptcies||6 years from the date of discharge. (for first bankruptcy)|
|Judgments, foreclosures, garnishments||6 years from the date filed|
|Collections||6 years from the date of last activity|
|Secured loans||6 years from the date filed|
|Credit Counseling, Consumer Proposals to creditors, Orderly Payment of Debt (OPD), Voluntary Deposit information||3 years from the date settled or completed|