49 Things that are listed on your Equifax Canada credit report

I've got my "paid for" Equifax Credit report in front of me. I'm going to list the items that are shown so that you can see the enormous amount of information that they list about you.

The reason that I created this list is because most people have no idea of the amount of items listed on their credit report. If you have 10 pieces of credit the amount of credit items is very quickly multiplied.

By *Canadian law, everything on your credit report must be accurate, complete and verifiable.

EXPLANATIONS AND ANALYSIS OF YOUR CREDIT SCORE
1) FICO score
2) Analysis of FICO Score and what it means to you
3) National Distribution of FICO Scores - Understanding the graph
4) Summary of factors affecting your score
5) The amount owed on your revolving or non-revolving accounts
6) Analysis of how many accounts you have with balances
7) The length of time your accounts have been established
8) The proportion of balances to credit limits analysis
9) How lenders see you analysis - Understanding the graph

PERSONAL IDENTIFICATION ITEMS LISTED
10) Current Name
11) Also Known As (AKA)
12) Current Address
13) Date Address Reported
14) Previous Address
15) Previous Address #2
16) Previous Address #3
17) Current Employment
18) Occupation
19) Previous Employment
20) Previous Occupation
21) Previous Employment #2
22) Previous Occupation #2
23) Previous Employment #3
24) Previous Occupation #3

CONSUMER STATEMENT
25) Consumer Statement ( if any )

CREDIT INFORMATION
The following items are listed for a credit card

26) Creditor
27) Creditors Phone Number
28) Account Number
29) Association to Account
30) Type of Account
31) Date Opened
32) Months Reviewed
33) High Credit / Credit Limit
34) Payment Amount
35) Balance Amount
36) Past Due
37) Date of Last Activity
38) Date Reported
39) Status
40) Payment History:
41) 30 Day payment history
42) 60 Day payment history
43) 90 Day payment history
44) Prior Payment History Comments

BANKING INFORMATION
45) Banking information ( if there is any )

PUBLIC RECORDS AND OTHER INFORMATION
46) Bankruptcies, judgments, voluntary repayment programs and secured loans. ( if any )

COLLECTIONS
47) Dealings with collection agencies ( if any )

HARD CREDIT INQUIRIES
48) Inquiries from creditors regarding your credit, when you apply for credit

SOFT CREDIT INQUIRIES
49) Inquiries from creditors regarding your credit, to check on your credit health.

ERRORS ON YOUR CREDIT REPORT?
Learn even more about your credit report with my DIY Credit Repair ebook for Canadians.

Discuss Canadian Credit Bureaus
Discuss Equifax Canada

Canadian Credit Bureau Regulators in Canada
* See Federal PIPEDA Act and your local Provincial Consumer Protection offices for more information on Credit Reporting regulations.