Someone asked me for a credit check. What does this mean?
Question & AnswerSomeone asked me for a credit check. What does this mean?
Learn what can’t be in your credit report
The following information cannot be part of a :
- criminal convictions that have been discharged or pardoned
- criminal charges that were withdrawn, dismissed, or set aside
- your race, religion, skin colour, sex, cultural or ethnic background, or what you think about politics
If any of the following information is more than 7 years old, it cannot be included in your report:
- a debt collection proceeding against you
- a judgment against you, unless the confirms that it is still unpaid
- unpaid fines or taxes
- criminal convictions (the 7 years begins when you were convicted, released, or released on parole, whichever happened later)
Consumer proposals will be noted on your credit report for 3 years after you pay back the money. A first will be on your credit report for 6 or 7 years after it is discharged. A second bankruptcy will stay on your credit report for 14 years or more.