Norther Credit Bureaus was purchased by Experian (the large CRA from the US and are now here in Canada). I suggest you contact them for you credit file, as you can with Trans Union and Equifax. I received mine by mail today and I can confirm that both CIBC and TD Canada Trust report to them. Most of other current and past accounts that are reporting with Equifax and Trans Union are not in my NCB/Experian report. It was pretty sparse as it had only 3 things on it. Still, since they may have data on you, it is worthwile checking what they have.

Fax your request to Experian Canada?s Credit Report Request Department at 1-800-646-5876 or 1-819-762-0675; or mail your request to P.O. Box 727, Rouyn-Noranda province of Quebec, postal code J9X-5C6