Request your background check and your credit score in 5 minutes.
Did you know that you can get your credit record at the same time as your background check?
Credit scores help predict how likely it is that a person will pay back their loan obligations as agreed. Credit scoring models vary, but generally use your payment history, length of credit history and credit utilization.
To get yours, simply check the “My credit file and quote” field when you fill out your background check request form.
Begin your application here
(For all your questions, we invite you to read the FAQ.)
we are associated with
the Cobourg Police Service
for background checks across Canada
About credit scores
Credit scores are calculated on a 900-point range and help determine the likelihood you will pay your bills on time. Although credit scoring models vary, generally credit scores from 660 to 724 are considered good, 725 to 759 are considered very good, and 760 and up are considered excellent.
- 760 to 900: Excellent
- 725 to 759: Very good
- 660 to 724: Good
- 600 to 659: Fair
Wherever you are in Canada, we are there for you.
THE APPLICATION PROCESS
Some of the reasons for a poor credit score can include
It’s important to stay on top of your monthly payments. Consistency in making monthly payments is an important step towards a stronger credit profile.
Too many open credit accounts can suggest to lenders that you’re not responsible with borrowing money, and too few accounts may not allow creditors to have enough information on how to manage your money to draw a solid conclusion.
If you’re constantly applying for more credit, it could raise a red flag when your credit scores are calculated, as it could suggest that you are overextending your ability to repay.
Maxed-out credit cards could negatively affect your credit scores.
Meanwhile, showcasing multiple examples of open credit accounts that don’t have late or missed payments may improve your credit scores.