: Detailed records of your credit cards, mortgages, and loans, including payment history and current balances.
Lenders frequently use these reports to get a complete view of your financial history, as each bureau may have slightly different information based on which creditors report to them. Key Components of a 3-Bureau Report
How long information stays on your credit report - Canada.ca credit-report-3
A comprehensive report typically includes these five major sections:
: Your name, addresses, Social Security number, and employment history. : Detailed records of your credit cards, mortgages,
: Information on bankruptcies or other legal items related to debt.
: A list of everyone who has requested your credit file in the last two years. : Information on bankruptcies or other legal items
A "credit-report-3" (often called a or tri-merge credit report) is a single document that combines data from all three major national credit bureaus: Equifax , Experian , and TransUnion .
