Your personal credit report is compiled by Canadian credit bureaus from various sources. The report shows information generally going back six to seven years, including personal information such as your name, address, date of birth and Social Insurance Number. It also includes historical data such as current and previous addresses, current and previous employers, and public records like bankruptcies, liens or judgments.

Most importantly, your credit report contains your credit card, mortgage and loan payment information.  This information is used by mortgage lenders to see if you have missed payments, carry high balances, or are in other ways overextending yourself financially. Payment history is the most important factor in your credit rating — so try to pay your bills on time, even if it is just the minimum balance due each month.

Lenders evaluate your credit risk based on information in your credit report. It is a good idea to review your credit report periodically and check for inaccuracies that may have an impact on your credit standing.

What is a FICO® Score?

The FICO® score, developed by Fair, Isaac and Company, Inc. (the pioneer in credit scoring) is a number between 300 and 900 that lenders use to determine your credit risk. A FICO® score is a snapshot of your credit risk at a particular point in time. The higher your credit score, the more likely you are to be approved for loans and receive favorable rates. Canada's largest financial institutions use FICO® scores to make millions of credit decisions each year.

Access Your Credit Report

Because a credit report contains information about you, you have a right to inspect a copy of it. Equifax, one of Canada’s largest credit bureaus has are three ways to obtain your credit report ask Dena Arnold & Associates for details on how to obtain your Credit Report.  

more details on accessing your credit score...

  • New Price!
    4010 - 45th Avenue, Sylvan Lake

    4 bdrms | 4 bths | 2260 sq. ft
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Dena Arnold Realty Group has received the Award of Excellence, the Royal LePage President's Gold Award and the Director's Platinum Award.


“We have used Dena Arnold in the past....and we will use her again in the future. Dena knows her real estate and she makes you feel comfortable with the choices you and your family make. Dena is ALL about YOU!”

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