{"id":18169,"date":"2022-06-01T14:48:11","date_gmt":"2022-06-01T13:48:11","guid":{"rendered":"https:\/\/www.quebecmetiersdavenir.com\/?p=18169"},"modified":"2022-10-03T18:59:26","modified_gmt":"2022-10-03T17:59:26","slug":"your-credit-report-in-canada","status":"publish","type":"post","link":"https:\/\/www.quebecmetiersdavenir.com\/en\/your-credit-report-in-canada\/","title":{"rendered":"Your credit report in Canada"},"content":{"rendered":"<img decoding=\"async\" class=\"aligncenter size-full wp-image-3670\" src=\"\/wp-content\/uploads\/2000480_Img_NACC_Dossier_Credit-2_H.jpg\" alt=\"Le dossier de cr\u00e9dit au Canada\" width=\"100%\" height=\"auto\" \/>\r\n<a href=\"https:\/\/www.quebecmetiersdavenir.com\/en\/financial-advice-and-services-for-your-studies\/\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-17091 aligncenter\" src=\"https:\/\/www.quebecmetiersdavenir.com\/wp-content\/uploads\/logo-desjardins.jpg\" alt=\"Desjardins\" width=\"265\" height=\"76\" srcset=\"https:\/\/www.quebecmetiersdavenir.com\/wp-content\/uploads\/logo-desjardins.jpg 555w, https:\/\/www.quebecmetiersdavenir.com\/wp-content\/uploads\/logo-desjardins-500x143.jpg 500w\" sizes=\"auto, (max-width: 265px) 100vw, 265px\" \/><\/a>\r\n<p class=\"text bold\" style=\"color: #168552; margin: 10px auto;\"><span style=\"font-size: 1.2em;\">When you arrive in Canada, there are many reasons you might want to use credit: you might need furniture and other everyday essentials right away, and there\u2019s always the chance that an unexpected cost might come up. You might also need to book things online\u2014like plane tickets, hotel rooms or rental cars\u2014and credit cards often come with cashback rewards and travel insurance. Or maybe you just want to group all of your purchases together and only worry about one bill at the end of the month. <\/span><\/p>\r\n<p class=\"text\">Moderation and good judgment are important if you decide to use credit, because the choices you make can have positive and negative consequences. Here\u2019s a brief explanation of what goes into your credit report in Canada, and how it\u2019s used.<\/p>\r\n<p class=\"text\"><span style=\"font-size: 1.2em;\"><strong>What is a credit report?<\/strong><\/span><\/p>\r\n<p class=\"text\"><strong>What information is included in a credit report?<\/strong><\/p>\r\n\r\n<ul>\r\n \t<li>\r\n<p class=\"text\">Your credit history<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">How much you\u2019ve borrowed<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">Your ability to meet your financial commitments<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">If you have been late on any payments<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">How good you have been at paying off debt<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">Etc.<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p class=\"text\">Any lender can use your report to see if you\u2019ll be able to pay back your debts.<\/p>\r\n&nbsp;\r\n<p class=\"text\"><span style=\"font-size: 1.2em;\"><strong>Credit scores<\/strong><\/span><\/p>\r\n<p class=\"text\">Your credit report also contains <a href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/537450961;345837735;u\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"> a credit score<\/span><\/a>. This is a rating based on many factors, including:<\/p>\r\n\r\n<ul>\r\n \t<li>\r\n<p class=\"text\">The type of credit you use<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">Your payment habits<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">How many times you\u2019ve applied for credit<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">Your total debt<\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\">The number of times your credit report has been checked<\/p>\r\n<\/li>\r\n<\/ul>\r\n<p class=\"text\"><strong>The advantage of having a good credit score <\/strong><\/p>\r\n<p class=\"text\">A good credit score shows financial institutions that you\u2018re trustworthy. Later, when you want to borrow a large amount of money (to buy a car or house, for example), a good credit score will work in your favour.<\/p>\r\n<p class=\"text\">That\u2019s why it\u2019s important to adopt responsible habits and make good decisions when it comes to money. It can help improve your score!<\/p>\r\n<p class=\"text\">Learn more<\/p>\r\n\r\n<ul>\r\n \t<li>\r\n<p class=\"text\"><a style=\"color: #168552; text-decoration: underline;\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/537450961;345837735;u\">Your credit score<\/a><\/p>\r\n<\/li>\r\n \t<li>\r\n<p class=\"text\"><a style=\"color: #168552; text-decoration: underline;\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/537452311;345838413;f\">Your credit report<\/a><\/p>\r\n<\/li>\r\n<\/ul>\r\n&nbsp;\r\n<p class=\"text\">Learn more to get ready for life in Canada : <a style=\"color: #168552; text-decoration: underline;\" href=\"https:\/\/ad.doubleclick.net\/ddm\/clk\/537123416;345837738;p\">desjardins.com\/PrepareLiveCanada<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>When you arrive in Canada, there are many reasons you might want to use credit: you might need furniture and other everyday essentials right away, and there\u2019s always the chance that an unexpected cost might come up. You might also need to book things online\u2014like plane tickets, hotel rooms or rental cars\u2014and credit cards often [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"tags":[],"class_list":["post-18169","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Your credit report in Canada - Quebec Metiers d&#039;avenir<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.quebecmetiersdavenir.com\/en\/your-credit-report-in-canada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your credit report in Canada - Quebec Metiers d&#039;avenir\" \/>\n<meta property=\"og:description\" content=\"When you arrive in Canada, there are many reasons you might want to use credit: you might need furniture and other everyday essentials right away, and there\u2019s always the chance that an unexpected cost might come up. 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