As an approved Access Seeker to all credit reporting agencies, CRA can obtain copies of your credit reports instantly, and explain all the listings to you.
Your credit report (also referred to as your credit file or credit history) includes information such as your name, address, employment history, date of birth, a list of creditors who have reviewed the report, date accounts were opened and closed, any late payments, defaults or judgements, clear-outs, crossed or linked files, name changes and bankruptcies, etc.
Whenever you apply for any type of finance, your credit history is checked by lenders. If you have just one negative listing on your credit report, you may find it difficult to get approved.