Check your Credit Rating.Your credit rating is a measure of your credit-worthiness: your reputation for paying back money. The credit bureau provides your credit history, which is a list of facts about how you handle debt. This information is gathered from financial institutions, retailers and other lenders. Most of your credit information remains on your file for seven years. The ranking each creditor gives you is called your "credit rating."
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It is good practice to request copies of your credit report periodically. This will help you monitor your rating as well as ensure that your credit report is accurate. To obtain a copy of your credit report, you can contact Equifax Canada. You build good credit by paying your bills promptly, especially your credit cards, and pay off loans on time and as quickly as possible. The implications of bad credit are having trouble getting new loans, and you may also have trouble obtaining a lease for an apartment or even a cellular phone. Each incident of bad credit stays with you for up to seven years.
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