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What is a Credit Report?
Your credit report is like a report card that shows how you handle money. Combined with your credit score, it helps you qualify for loans, secure better interest rates, and can even influence rental and job applications.
Check it regularly to monitor your credit history, get tips to improve your credit score, and track your progress.
What’s in your credit report?
Personal information
Your name, address, birthday and SIN.
Credit accounts
All the credit accounts you’ve opened, such as mortgage, credit card or car leases.
Credit inquiries
Hard and soft credit inquiries made by you or financial institutions.
Public records
Reported by the Canadian government, courts and legal entities. These may include bankruptcy and court judgments.
Secured loans
Any loans in your name where an asset was pledged in exchange for a secured debt.
Equifax contact history
Your requests to place an identity alert, fraud warning or consumer narrative on your credit file within the past 6 years.
Get your credit score... and more
- Get your updated score every time you check your Credit report in-app
- Access your dashboard to manage everything that makes up your score
- Easily submit disputes with Equifax directly within the app
Pick a plan and try it with no cost
Access Your Free Equifax Credit Report in the KOHO App on the Everything plan
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FAQS
Your Credit Report shows how well you handle borrowed money by tracking your bill payments and debts. By checking it regularly, you can see what's helping or hurting your credit score and find ways to improve it. This is especially important before big decisions, like buying a house or car, because banks use this report to decide whether to lend you money. Understanding your credit report helps you prepare for these important financial commitments.
A credit report is a detailed summary of your credit history. It shows information like your loans, credit cards, payment history, and any missed payments. It also includes your credit score and any recent credit checks done by lenders.
To dispute a credit report, you can contact the credit bureau online or by mail with your issue and any supporting documents. Or, make it even easier by handling it directly through the KOHO app—no need to navigate separate websites or mail documents. Just open the app, and we’ll guide you through the steps
You can access your report as many times as you like. The more often you check it, the better your chances of spotting errors or fraud early. Keep in mind that credit activity can take 30-90 days to be reported. The credit score on your report is the most recent from Equifax, while the one on the Credit tab updates monthly, so they may differ.
No, checking your credit report won't impact your credit score.
When you sign up for Credit Report, a credit check is not conducted.
Improving your credit score involves paying bills on time, keeping credit card balances low, and avoiding applying for too much new credit at once. Regularly checking your credit report can also help you spot any mistakes or areas to improve.
Yes, you can only access your free Equifax credit report if you’re subscribed to KOHO’s Everything plan.