Investigate factors that influence one’s credit file.

Indicators for this outcome
(a) Examine the elements of a credit file including credit report, credit score and credit ranking.
(b) Identify reputable national credit bureaus in Canada (i.e., Equifax and TransUnion).
(c) Discuss services provided by credit bureaus.
(d) Describe the process for obtaining one’s credit report.
(e) Research reasons for regularly monitoring one’s credit report.
(f) Discuss steps for preventing and dealing with identify theft and credit fraud.
(g) Identify the steps necessary to report and correct mistakes in one’s credit report.
(h) List factors such as pre-approved credit or credit checks that may impact one’s credit score.
(i) Research ways to build a credit score and to rehabilitate a damaged one.
(j) Analyze how lenders use a credit report.
(k)

Explore answers to inquiry questions such as:

  • Who can run a credit check on me?
  • Why would they want to run a credit check?
  • How is permission granted to run a credit check on me in Saskatchewan and in other jurisdictions?
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