Your personal income and benefit tax return has been filed, now what?
It is time to 'Pull your own credit profile'
Why, a number of reasons;
1. Has some else helped themselves to your credit? (Identity theft)
2. What do they think of me? (Your credit score, would I qualify for that new car I am thinking about purchasing in a couple of months?)
3. Is the information on file correct? (Nothing like the address of record being somewhere you have lived in for 5 years, or maybe you left that employer sometime ago or better yet, someone else's info!)
Okay, yes, I want to check my credit. How do I do?
Well, in Canada we have two major firms, Equifax and Transunion who both offer online access to your 'credit reports/scores'. (If you don't want to pay their fees, well there is a 'free' way, by using a mail request.)
[Quick aside, this sort of 'soft inquiry' does not have the consequences as when a potential lender or creditor 'pulls your credit profile' for the purposes of extending credit. These 'hard' inquiries shows on your credit report for a minimum of 6 years and may cause a drop in your credit score.]