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: Tracks whether you pay bills on time—this is the most impactful data on your report.

A credit report is a detailed record of your financial history, typically maintained by major bureaus like Equifax, Experian , and TransUnion .

: Includes serious events like bankruptcies, foreclosures, or court judgments against you. The Result: Your Credit Score

: Includes your name, addresses, Social Security number, and employment history.

Your credit score is a numerical value calculated using the data in your credit report. While there are different models, the most common is the . Credit report and score basics - Canada.ca

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