Loans Mortgages Cards Banking Investing Tools Locations FX Insurance Learn ★ ANNOTATED SAMPLE REPORT ★
Click a section to decode it EQUIFAX CANADA · CONSUMER DISCLOSURE Report date: 2026-06-02 · File #: 4827-XXXX-XXXX
1 · PERSONAL INFORMATION Name: SAMPLE, JANE A.
SIN: XXX-XXX-487 (last 3 only)
DOB: 1985-03-14
Address (current): 245 KING ST W, TORONTO ON
Previous address: 88 BAY ST, TORONTO ON
Employer: ACME CORP · since 2020
2 · TRADE LINES (Accounts) RBC VISA INFINITE · opened 2018-09
Limit: $10,000
Balance: $2,150
Payment history (last 12 months):
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1 R1 R1
TD AUTO LOAN · opened 2022-04
Original: $28,500
Balance: $19,800
Payment history:
R1 R1 R1 R1 R1 R1 R1 R1 R1 R1 R2 R1
3 · COLLECTIONS No collections reported. ✓
4 · PUBLIC RECORDS No bankruptcies, proposals, or judgments. ✓
5 · INQUIRIES Hard inquiries (last 12 mo):
· BMO CC · 2025-12-04 (Hard)
· Rogers · 2025-09-12 (Hard)
Soft inquiries:
· Borrowell · 12 dates (Soft · no impact)
SECTION PERSONAL INFO Your identity as the bureaus know it. Mismatches here = identity theft red flag. Make sure all addresses are YOU.
★ THE R-CODES ★
What R1, R2... R9 actually mean R1 Paid as agreed, on time
R2 Late 30-59 days
R3 Late 60-89 days
R4 Late 90-119 days
R5 Late 120+ days
R7 Consumer proposal / settlement
R8 Repossession / forfeit
R9 Bad debt / collection / bankrupt
"I" codes (I1, I2...) replace R for installment debts (loans). Same rating system. R9 stays on your report 6-7 years from the bad-debt date.
★ HOW TO GET YOUR REPORT ★
Free, both bureaus EQUIFAX ONLINE myEquifax.ca online Free monthly Sign up at consumer.equifax.ca → "Get My Free Credit Report"
MAIL / FAX Mail or fax request Free unlimited Download form, mail with ID copy. 5-10 business days.
TRANSUNION ONLINE Through Borrowell / CreditKarma Free monthly Borrowell shows abbreviated report. Sign up free.
MAIL / FAX Mail request to TransUnion Free 1×/year Mail form + 2 pieces of ID. 2-3 weeks.