What is a credit report?

Your credit report is a record of your credit history. It sets out information about the types of debt you have, the amounts due and whether you pay your bills on time.

In Canada, many financial institutions, landlords and other service providers check your credit report before granting a loan, a lease or various other services.

Most asked questions

Ready to open an account?

Talk to one of our experts to get tailred advice.

Make an appointment

{"cache":{"resources":{"/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu":{"data":{},"depth":0}},"scripts":{},"included":{},"serviceCalls":{"/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getEncryptedLanguage()":"{6df8a4f595043a102ea8c23c3071a83d5ebc1fcc00fbdfff8d954a04355fafae}","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getEncryptedContextType()":"{41a79b8c69e3c4adeb3c25c55598f9c1e9fc9b308dcfe042cd203cfcbaadba7697bfc778f266ca01bb173c58e743c987}","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getTopFaq()":"{\"faqs\":[{\"answer\":\"Some branches are temporarily&nbsp;closed,&nbsp;and others have reduced business hours. Before your visit, check&nbsp;<a href=\\\"https://locator.nbc.ca/\\\">our branch locator<\\/a>&nbsp;for our updated business hours.&nbsp;Our ABMs continue to remain available.&nbsp;To find the closest ABM near you,&nbsp;<a href=\\\"https://locator.nbc.ca/\\\">click here<\\/a>.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19: What are the modified branch business hours?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/heures-douverture-modifiees-succursales\",\"cleanAnswer\":\"Some branches are temporarily&nbsp;closed,&nbsp;and others have reduced business hours. Before your visit, check&nbsp;our branch locator&nbsp;for our updated business hours.&nbsp;Our ABMs continue to remain available.&nbsp;To find the closest ABM near you,&nbsp;click here.&nbsp;\\n\",\"boostKeywords\":[\"covid-19, coronavirus, corona-virus\"],\"url\":\"https://www.nbc.ca/personal/faq-general/heures-douverture-modifiees-succursales.html\"},{\"answer\":\"Consult our section on&nbsp;<a href=\\\"/content/bnc/en/accueil/covid-19/voyages.html\\\">COVID-19<\\/a>&nbsp;for information regarding travel and more.<\\/p>\\nThis section is regularly updated.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19 : Travel advice, refund and flight cancellation\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-conseils-voyageurs-remboursement-annulation-de-vol\",\"cleanAnswer\":\"Consult our section on&nbsp;COVID-19&nbsp;for information regarding travel and more.\\nThis section is regularly updated.&nbsp;\\n\",\"boostKeywords\":[\"Travel, refund, flight cancellation\",\"\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-travel-advices-refund-flight-cancellation.html\"},{\"answer\":\"Need to deposit a cheque? With the <a href=\\\"/content/bnc/en/accueil/particuliers/comptes/application-mobile.html\\\">National Bank mobile app<\\/a>, you can deposit cheques anytime, anywhere, by taking a photo with your smart phone or tablet.<\\/p>\\n<a href=\\\"https://demo.bnc.ca/en/course/start/public-mobile-cheque-deposit/emulator-public-mobile-cheque-deposit/emulator\\\">See demo<\\/a><\\/p>\\n\",\"question\":\"How can I deposit cheques using my mobile device?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/comment-faire-un-depot-numerique-cheques\",\"cleanAnswer\":\"Need to deposit a cheque? With the National Bank mobile app, you can deposit cheques anytime, anywhere, by taking a photo with your smart phone or tablet.\\nSee demo\\n\",\"boostKeywords\":[\"hypothèque, mortgage deferral, mortgage, deferral, report\"],\"url\":\"https://www.nbc.ca/personal/faq-general/how-can-deposit-cheques-using-your-mobile-device.html\"},{\"answer\":\"Due to COVID-19, the Interac<\\/i> e-Transfer® limit has been temporarily modified.<\\/p>\\nYour business can send:<\\/p>\\n<ul>\\n<li>$5,000 per day<\\/li>\\n<li>$25,000 per week&nbsp; \\n&nbsp;<\\/li>\\n<\\/ul>\\nYour business can receive:<\\/p>\\n<ul>\\n<li>$100,000 per week It is possible to view the different limits when the transfer is sent.<\\/li>\\n<\\/ul>\\n®The Interac<\\/i> and Interac\\u202fe-Transfer are registered trademarks of Interac Corp. Used under licence.<\\/p>\\n\",\"question\":\"COVID-19: What is the limit for an Interac e-Transfer for businesses?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-quel-est-le-montant-limite-pour-un-virement-interac-pour-les-entreprises\",\"cleanAnswer\":\"Due to COVID-19, the Interac e-Transfer® limit has been temporarily modified.\\nYour business can send:\\n\\n$5,000 per day\\n$25,000 per week&nbsp;\\n&nbsp;\\n\\nYour business can receive:\\n\\n$100,000 per week It is possible to view the different limits when the transfer is sent.\\n\\n®The Interac and Interac\\u202fe-Transfer are registered trademarks of Interac Corp. Used under licence.\\n\",\"boostKeywords\":[\"mortgage deferral, mortgage, deferral, covid\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-what-is-the-limit-for-an-interac-e-transfer-for-businesses.html\"},{\"answer\":\"We continue to implement innovative measures to support your business. Stay informed and see the complete list of our relief measures and other programs on our&nbsp;<a href=\\\"/content/bnc/fr/accueil/entreprises/covid-19.html\\\">COVID-19 page<\\/a>.<\\/p>\\nThis page is updated regularly.<\\/p>\\n\",\"question\":\"COVID-19: What support measures have been put in place by National Bank for businesses? \",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-quelles-sont-les-mesures-de-soutien-mises-en-place-par-banque-nationale-entreprises\",\"cleanAnswer\":\"We continue to implement innovative measures to support your business. Stay informed and see the complete list of our relief measures and other programs on our&nbsp;COVID-19 page.\\nThis page is updated regularly.\\n\",\"boostKeywords\":[\"mortgage deferral, mortgage, deferral, covid\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-what-support-measures-have-been-put-in-place-by-national-bank-businesses.html\"},{\"answer\":\"For a credit limit increase, sign in to&nbsp;<a href=\\\"https://app.bnc.ca/\\\" target=\\\"_blank\\\">your online bank<\\/a>:&nbsp; \\n<\\/p>\\n<ol>\\n<li>Click&nbsp;Overview<\\/b>&nbsp;in the left menu&nbsp;<\\/li>\\n<li>Select your&nbsp;credit card<\\/i>&nbsp;<\\/li>\\n<li>Click&nbsp;Increase my limit<\\/b>&nbsp;<\\/li>\\n<li>Follow the instructions&nbsp;<\\/li>\\n<\\/ol>\\n\",\"question\":\"How do I increase my credit limit?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/cartes-credit-mastercard/faq/comment-augmenter-ma-limite-de-credit\",\"cleanAnswer\":\"For a credit limit increase, sign in to&nbsp;your online bank:&nbsp;\\n\\n\\nClick&nbsp;Overview&nbsp;in the left menu&nbsp;\\nSelect your&nbsp;credit card&nbsp;\\nClick&nbsp;Increase my limit&nbsp;\\nFollow the instructions&nbsp;\\n\\n\",\"boostKeywords\":[\"deferral, minimum payment\"],\"url\":\"https://www.nbc.ca/personal/mastercard-credit-cards/faq/comment-augmenter-ma-limite-de-credit.html\"},{\"answer\":\"We understand you have many questions about your loan insurance and credit card payment insurance. Here are <a href=\\\"https://www.nbc.ca/personal/notice.html#section4\\\">some tips<\\/a> to help you.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19 : How to proceed if I have loan or payment insurance?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-comment-proceder-assurance-pret-ou-paiement\",\"cleanAnswer\":\"We understand you have many questions about your loan insurance and credit card payment insurance. Here are some tips to help you.&nbsp;\\n\",\"boostKeywords\":[\"covid, covid-19, coronavirus\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-how-to-proceed-if-i-have-loan-or-payment-insurance.html\"}],\"displayFloatingMenu\":true}","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getTitle()":"Frequently asked questions","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getFloatingMenuSubtitle()":"Personal","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getFloatingMenuImage()":"/content/dam/bnc/commun/picto/faq-pastille.png","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getNewAnnouncement()":"New!<\/p>\r\n <a>Search<\/a> through our new Frequently Asked Questions now.<\/p>\r\n","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getShowInitialAnnouncement()":"false","/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getLanguage()":"en"}},"resourceType":"web-sites-react/components/floating-menu","path":"/content/bnc/en/accueil/particuliers/emprunts/faq/dossier-de-credit/jcr:content/floating-menu","wcmmode":"disabled"}

What is a credit report?

Related questions

Most asked questions

Ready to open an account?

1-888-835-6281

Find a branch