Consumer Rights and Reporting
Borrower-facing reporting terms such as consumer disclosure, report access, and consent to credit checks in Canada.
Consumer Rights and Reporting explains the borrower-facing side of Canadian credit files. It covers how readers access their information, what a consumer disclosure is, how consumer statements and investigation results fit into file review, and how reporting rights connect to disputes.
This section is where the site shifts from definitions alone into practical use: reading your own file, understanding who checked it, and knowing when to question or correct what appears there.
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In this section
- Consumer Disclosure
A consumer disclosure is the copy of bureau file information provided directly to the consumer.
- Consent to Credit Check
Consent to a credit check is the borrower's permission for a lender or other authorized user to review file information.
- Cost of Borrowing
Cost of borrowing describes the total borrowing expense disclosed to the consumer, including interest and relevant fees.
- Report Access Request
A report access request is the borrower's request to obtain their own credit-file information from a bureau.
- Report Sharing
Report sharing means a borrower provides or authorizes access to credit-report information for a defined purpose.
- Credit Monitoring
Credit monitoring is the ongoing review or alerting process that helps a borrower watch for changes in file activity.
- Consumer Statement
A consumer statement is a short note a consumer may ask to have associated with their credit file to explain a situation in context.
- Investigation Result
An investigation result is the response a consumer receives after a bureau or reporting party reviews a disputed file item.