Credit Report Request

Equifax Date
Canada Co.2025/02/09

www.consumer.equifax.ca

RITA HADDAD

755 FROBISHER LANE 11808,

OTTAWA, ON K1G3T6

CONFIDENTIAL INFORMATION
CONSUMER USE ONLY
RE: EQUIFAX REFERENCE NUMBER: 6307442514

RITA HADDAD,

Further to your request, a copy of your personal credit file as of 2025/02/09 follows:

Page 1 of 21
 Credit Report Request Date 2025/02/09

Personal Info
Identification

Name Reported

Current Name RITA HADDAD

Personal File Number Date Of Birth Social Insurance Number

6307442514 1973-xx-26 xxx-xx2-563

Phone Number Reported

Other 753-881-7363

Addresses Reported

Type Last Reported Date Address City Province Postal Code

Current 2024/10/01 755 FROBISHER LANE 11808 OTTAWA ON K1G 3T6

Previous 2024/07/01 20 DEERFIELD DR 1201 NEPEAN ON K2G 4L2

Previous 2024/04/01 20 DEERFIELD DR #1201 OTTAWA ON K2G 4L2

Credit Score as of 2025/02/09

730
▼

Equifax Credit Score

730 POOR FAIR GOOD VERY GOOD EXCELLENT

300-559 560-659 660-724 725-759 760-900

You don’t just have one credit score. There are many different credit scores provided by different companies that are used to help
predict how likely you are to pay your bills on time. The Equifax Credit Score provided above is created using a model developed by
Equifax and is intended for your own educational use. It is also commercially available to third parties. Please keep in mind third
parties may use a different score when evaluating your creditworthiness.

Also, third parties will consider items other than your credit score, such as information on your credit file and information you provide
in your application for credit, when making a determination about of your creditworthiness.

Employment
You currently have no employment records on your credit file.
Page 2 of 21
 Credit Report Request Date 2025/02/09

Accounts

Revolving (2)

Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards
or lines of credit.

Mortgage (0)

Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.

Installment (1)

Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.

Open (0)

Open accounts are those that are not already identified as revolving, mortgage, or installment accounts such as charge cards or
telco accounts.

Page 3 of 21
 Credit Report Request Date 2025/02/09

Accounts - Revolving

MBNA

Overview

Account Highest Member Rating

Phone Notes Rating Code Description
Number Balance Number Code

888-876- Revolving - Paid as agreed and

$0 650ON40914 R1
6262 up to date

Balance And Amounts Account Dates

Balance $0 Opened 2024/11/19

Credit Limit $8,000 Last Reported 2025/01/16

Payment Due Last Payment

Actual
Date Closed
payment

Amount Past
$0
Due

Amount
Written Off

Payment Details

Months Reviewed 2

Payment Responsibility Individual

Delinquencies

You currently have no delinquencies on your credit file.

Page 4 of 21
 Credit Report Request Date 2025/02/09

Payment History

You can view up to 2 years of payment history on this account.

Credit High Past Credit High Past

Month Balance Payment Month Balance Payment
Limit Credit Due Limit Credit Due

01/2025 $0 $8,000 $0 $0 12/2024 $0 $8,000 $0 $0

Page 5 of 21
 Credit Report Request Date 2025/02/09

SCOTIABANK VISA

Overview

Account Highest Member Rating

Phone Notes Rating Code Description
Number Balance Number Code

800-387- Revolving - Paid as agreed and

***011 $383 650ON00184 R1
6508 up to date

Balance And Amounts Account Dates

Balance $0 Opened 2023/10/04

Credit Limit $1,500 Last Reported 2024/10/31

Payment Due $10 Last Payment 2024/10/30

Actual
$2,686 Date Closed
payment

Amount Past
$0
Due

Amount
Written Off

Payment Details

Months Reviewed 13

Payment Responsibility Individual

Delinquencies

You currently have no delinquencies on your credit file.

Page 6 of 21
 Credit Report Request Date 2025/02/09

Payment History

You can view up to 2 years of payment history on this account.

Credit High Past Credit High Past

Month Balance Payment Month Balance Payment
Limit Credit Due Limit Credit Due

10/2024 $0 $1,500 $383 $0 $10 03/2024 $121 $1,000 $91 $0

09/2024 $136 $1,500 $383 $0 $10 02/2024 $0 $1,000 $91 $0 $10

08/2024 $192 $1,500 $383 $0 $10 01/2024 $49 $1,000 $20 $0

07/2024 $251 $1,500 $267 $0 $10 12/2023 $0 $1,000 $20 $0

06/2024 $61 $1,500 $267 $0 $6 11/2023 $0 $1,000 $20 $0

05/2024 $232 $1,500 $267 $0 $10 10/2023 $0 $1,000 $20 $0 $10

04/2024 $212 $1,500 $91 $0

Page 7 of 21
 Credit Report Request Date 2025/02/09

Accounts - Mortgage
You currently have no mortgage accounts on your credit file.

Accounts - Installment

KIA MOTOR FINANCE

Overview

Account Highest Member Rating

Phone Notes Rating Code Description
Number Balance Number Code

866-250- Installment - Paid as agreed and

***490 $36,080 650FA01870 I1
3151 up to date

Balance And Amounts Account Dates

Balance $32,047 Opened 2024/01/31

Credit Limit Last Reported 2025/01/31

Payment Due $257 Last Payment 2025/01/29

Actual
$771 Date Closed
payment

Amount Past
$0
Due

Amount
Written Off

Payment Details

Months Reviewed 12

Payment Responsibility Individual

Delinquencies

You currently have no delinquencies on your credit file.

Page 8 of 21
 Credit Report Request Date 2025/02/09

Payment History

You can view up to 2 years of payment history on this account.

Credit High Past Credit High Past

Month Balance Payment Month Balance Payment
Limit Credit Due Limit Credit Due

01/2025 $32,047 N/A $36,080 $0 $257 07/2024 $34,099 N/A $36,080 $0 $257

12/2024 $32,606 N/A $36,080 $0 $257 06/2024 $34,645 N/A $36,080 $0 $257

11/2024 $32,906 N/A $36,080 $0 $257 05/2024 $34,939 N/A $36,080 $0 $257

10/2024 $33,211 N/A $36,080 $0 $257 04/2024 $35,224 N/A $36,080 $0 $257

09/2024 $33,507 N/A $36,080 $0 $257 03/2024 $35,514 N/A $36,080 $0 $257

08/2024 $33,808 N/A $36,080 $0 $257 02/2024 $35,794 N/A $36,080 $0 $257

Page 9 of 21
 Credit Report Request Date 2025/02/09

Accounts - Open
You currently have no open accounts on your credit file.

Page 10 of 21
 Credit Report Request Date 2025/02/09

Inquiries

A record of access to your credit file is created by posting inquiries to your credit file. An inquiry will include the name of the
entity that accessed your credit file and a phone number that you can call if you have questions about the access. Two types of
inquiries may be posted on your credit file; hard and soft inquiries. Soft inquiries are visible only to you and do not affect credit
scores. Hard inquiries are visible to any authorized recipient of your credit file and may affect credit scores.

DATE MEMBER NUMBER MEMBER NAME PHONE MAY AFFECT SCORES

2025/02/09 400AA00163 EQUIFAX PERSONAL SOL 800-871-3250 No

2025/01/27 481IG01517 CERTAS 800-794-0008 No

2024/11/11 484VC00145 RDC OttawaPoliceRec 888-428-8836 No

2024/10/27 400AA00163 EQUIFAX PERSONAL SOL 800-871-3250 No

2024/09/14 400AA00163 EQUIFAX PERSONAL SOL 800-871-3250 No

2024/09/14 484ZZ00091 EQUIFAX CANADA CO. 416-227-8500 No

2024/08/02 651BB01504 Bank of Nova Scotia 800-472-6842 No

2024/01/30 481BB22082 TD AUTO FINANCE CAN 800-832-3321 Yes

2024/01/30 473AN03017 KIA ON HUNT CLUB 613-670-8013 Yes

2024/01/30 001FA01144 DESJARDINS 514-224-7737 Yes

2024/01/30 481RZ03594 YARDI CANADA LTD MIN 800-866-1124 No

2023/10/04 481BB60823 SCOTIABANK 416-288-1460 Yes

Page 11 of 21
 Credit Report Request Date 2025/02/09

Bank Information Reported

You currently have no bank information reported on your credit file.

Page 12 of 21
 Credit Report Request Date 2025/02/09

Public Records

Bankruptcy (0)

Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off your outstanding debts.

Consolidated Debt (0)

This is often a strategy to reorganize multiple debts into a single payment to potentially lower the overall interest rate.

Collections (0)

When a debt is in collections, a creditor transfers it to a collections agent to attempt to recover past-due payments.

Debt Recovery (0)

These are past due debts owed by you that were recovered in a court of law.

Judgments (0)

A judgment is a court order where a person in debt pays a specific amount of money by law to a plaintiff.

Page 13 of 21
 Credit Report Request Date 2025/02/09

Bankruptcy
You currently have no bankruptcies on your credit file

Page 14 of 21
 Credit Report Request Date 2025/02/09

Consolidated Debt
You currently have no consolidated debt on your credit file

Page 15 of 21
 Credit Report Request Date 2025/02/09

Collections
You currently have no collections on your credit file

Page 16 of 21
 Credit Report Request Date 2025/02/09

Debt Recovery
You currently have no debt recovery on your credit file

Page 17 of 21
 Credit Report Request Date 2025/02/09

Judgments
You currently have no judgments on your credit file

Page 18 of 21
 Credit Report Request Date 2025/02/09

Secured Loans
You currently have no secured loans on your credit file.

Page 19 of 21
 Credit Report Request Date 2025/02/09

Alerts, Disclosures And Contact History

Service Type Details Date Reported Compliance Date

Consumer Disclosure Inquiry EQUIFAX PERSONAL SOL 2025/02/09

Consumer Disclosure Inquiry EQUIFAX PERSONAL SOL 2024/10/27

Consumer Disclosure Inquiry EQUIFAX PERSONAL SOL 2024/09/14

Page 20 of 21
 Credit Report Request Date 2025/02/09

Contact Us

You may also contact us via one of these channels:

To request a copy of your credit file or to submit a credit file update, please visit us at:
www.consumer.equifax.ca and click on CREDIT REPORT ASSISTANCE
By phone (automated phone system): 1-800-465-7166
In writing: Equifax Canada P.O. Box 190, Montreal (Quebec) H1S 2Z2

Contact TransUnion

There is another credit reporting agency in Canada:

Consumer Relations Centre

3115 Harvester Road
Suite 201
Burlington, ON L7N 3N8

Tel: 1-800-663-9980
Tel: 1-877-713-3393 (for Quebec)

www.transunion.ca

Page 21 of 21