请在credit report上, 会不会有电话公司, TV CABLE公司的记录, 谢谢.[问题]

[vincentlau]

请在credit report上, 会不会有电话公司, TV CABLE公司的记录, 谢谢. 除了有信用卡的记录以外, 还会有什么记录. 有银行卡的记录吗?

 

[tso]

有电话公司, TV CABLE公司的记录

 

[PrideOfChinese]

It depends on if you have had and issue with them or not. For example, if you owned Bell money, and Bell did filed a credit complaint, you would see Bell's record.

 

[vincentlau]

那如果我一直都准时交费呢, 会有记录吗? 因为我看了自己的CASE REPORT, 上面没有显示.

 

[dkwan]

It depends on company, as well as the credit report that you are requesting.

There are 2 major credit reporting centre in Canada:
1) Euqifax
2) Transunion

90% of credit companies will report to credit centre, but which one will report to it. Here is how to check. When you apply for service, they usually to ask you to sign a application form, If the application form doesn't say to 'Authorize to release personal credit'. Then that company will not report to credit centre.

For example Rogers, they will check your credit before you apply for their cellphone. Then if you late, or on time. They will report to credit centre accordingly. Rogers Home Phone doesn't apply. Or Bell doesn't apply as well.

Rogers will report to TransUnion, but not sure about will they report to Equifax.

 

[vincentlau]

但是我那两个CREDIT REPORT , 一个是TransUnion, 一个是Equifax. 我用的手机是FIDO, INTERNET是ROGERS. 但是CREDIT REPORT 上面都没有这2个记录, 会不会有问题啊. 但我一想都准时交单. 谢谢

 

[butterflw]

像FIDO,ROGERS一类的公司,你正常交费的时候是不会显示在REPORT上的,只有欠费才会。换而言之，他们只对你有坏的影响，而不会有好的影响。

 

[vincentlau]

thank you so much!

 

[Consciousness]

我的REPORT上面有ROGERS的记录,显示每次都按时交

 

[dkwan]

whether its good or bad will be reported on the credit report

 

[vincentlau]

那我的CREDIT REPORT 上为什么没有ROGERS, FIDO 的记录呢?

 

[dkwan]

which reporting center?

what type of rogers? or fido you have? monthly plan? or prepaid?