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Request your Credit Report

Your are entitled to see your credit report / credit record / credit history

Legislation entitles you to obtain your credit report / credit history, free of charge from every credit bureau every year.

A credit bureau is a private company that gathers information from credit providers and courts to update each consumer’s credit history. A credit bureau manages your credit information and payment behaviours indicating how the consumer manages his/her credit. The credit bureau supplies these records to credit providers, such as banks, retailers every time you apply for credit or some financial services companies.

Your personal credit report from a credit bureau will reflect your whole credit history, and will put you in a position to see exactly what it is that your lenders have the privilege of seeing. Often, we are simply too afraid to face the facts when it comes to the adverse information a credit bureau may hold on us. However the facts are there and will confront us somewhere down the line. It is best to be honest with ourselves and see what it is that the credit bureau has on you!

The leading credit bureaus are: