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Access a free copy of your Equifax Credit Report to learn what makes up your credit score and what you could improve on.
What is a Credit Report?
Your credit report is like a report card that shows how you handle money. Combined with your credit score, it helps you qualify for loans, secure better interest rates, and can even influence rental and job applications.
Check it regularly to monitor your credit history, get tips to improve your credit score, and track your progress.
What’s in your credit report?
Personal information
Your name, address, birthday and SIN.
Credit accounts
All the credit accounts you’ve opened, such as mortgage, credit card or car leases.
Credit inquiries
Hard and soft credit inquiries made by you or financial institutions.
Public records
Reported by the Canadian government, courts and legal entities. These may include bankruptcy and court judgments.
Secured loans
Any loans in your name where an asset was pledged in exchange for a secured debt.
Equifax contact history
Your requests to place an identity alert, fraud warning or consumer narrative on your credit file within the past 6 years.
How to get your free credit report instantly
Access Your Free Equifax Credit Report in the KOHO App on the Everything plan
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FAQFrequently Asked Questions
Your Credit Report shows how well you handle borrowed money by tracking your bill payments and debts. By checking it regularly, you can see what's helping or hurting your credit score and find ways to improve it. This is especially important before big decisions, like buying a house or car, because banks use this report to decide whether to lend you money. Understanding your credit report helps you prepare for these important financial commitments.
A credit report is a detailed summary of your credit history. It shows information like your loans, credit cards, payment history, and any missed payments. It also includes your credit score and any recent credit checks done by lenders.
To dispute a credit report, you can contact the credit bureau online or by mail with your issue and any supporting documents. Or, make it even easier by handling it directly through the KOHO app—no need to navigate separate websites or mail documents. Just open the app, and we’ll guide you through the steps
You can access your report as many times as you like. The more often you check it, the better your chances of spotting errors or fraud early. Keep in mind that credit activity can take 30-90 days to be reported. The credit score on your report is the most recent from Equifax, while the one on the Credit tab updates monthly, so they may differ.
No, checking your credit report won't impact your credit score.
When you sign up for Credit Report, a credit check is not conducted.
Improving your credit score involves paying bills on time, keeping credit card balances low, and avoiding applying for too much new credit at once. Regularly checking your credit report can also help you spot any mistakes or areas to improve.
Yes, you can only access your free Equifax credit report if you’re subscribed to KOHO’s Everything plan.
You can access your credit report as many times as you’d like! Credit activity can take 30-90 days to be reported, so you might not see updates until then. The credit score in your report is the most recent from Equifax, while the one on the Credit tab updates monthly, so they may be different.
Yes. Not making your payments on time will hurt your credit history. If there isn’t enough money in your account to cover your Credit Building line of credit or fee, we keep trying to collect the remaining amount until it is completely paid off. You can pay it off by adding money to your account.
Yes, but you have options. You can access your free Equifax credit report if you’re subscribed to KOHO’s Everything plan, or if you subscribe to our Credit Building tool.
Building credit history in Canada is about showing lenders you can borrow and repay responsibly over time. The good news is that you can start small and build slowly.
Here are some of the ways that you can build it:
1. Make Every Payment On Time
Payment history is one of the biggest factors in your credit score. Pay credit cards, loans, phone bills, and other credit products on or before the due date. Set up automatic payments where possible so you don’t forget. Even the minimum payment is better than missing a payment entirely.
2. Keep Your Balances Low
Using too much of your available credit at once can signal risk.
Try to keep your credit card balances well below the limit (a common guideline is under ~30% if you can). If you can pay in full each month, even better. Lower balances = less interest + a healthier-looking profile.
3. Consider Credit Building Tools
If you don’t have much credit history yet, there are tools that report positive payment behaviour can help.
KOHO’s Credit Building tool is one example of a structured way to add on time payments to your record.
4. Avoid Too Many New Applications
Every time you apply for certain types of credit, lenders may do a hard check on your report. A few checks are normal, but a lot of applications in a short time can make you look credit-hungry. Choose products carefully instead of applying for everything you see.
5. Check Your Credit Reports
You can request your credit report from Canada’s major credit bureaus (Equifax and TransUnion®). You can also get a credit report by signing up to KOHO’s Everything plan or our Credit Building tool.
6. Be Patient and Consistent
Credit history is literally history—it’s built over time.
Keep paying on time and keep your balances under control.