Review the detail, not only the score
Check personal information, open and closed accounts, balances, payment history, collections and inquiries. Equifax and TransUnion may not show identical information. Keep dated copies so you can explain a difference rather than relying on memory.
Separate an error from an unfavorable fact
An account that is not yours or a wrongly recorded late payment can be disputed with supporting records. A legitimate missed payment does not become inaccurate because it makes financing harder. Follow the bureau’s correction process and retain creditor correspondence.
Share through a verified channel
A full credit report contains sensitive identifiers and account history. Do not paste it into an AI chat or a general enquiry. Your chosen lender can explain its authorized credit-consent process and what it needs to assess the application.
A question worth asking
Will checking my own report lower my score?
Checking your own credit report is different from a lender’s credit application inquiry. Review FCAC’s explanation and ask about the consent for an actual application.
Check the source
Primary references checked October 28, 2026. Rules and product availability can change; confirm the requirements for your actual transaction.