Credit Report Request Date 2023/06/14
Equifax Canada Co.
www.consumer.equifax.ca
BREANNE MCINNIS
97 CROCUS DR,
SCARBOROUGH, ON M1R 4T3
CONFIDENTIAL INFORMATION
CONSUMER USE ONLY
RE: EQUIFAX REFERENCE NUMBER: 4117540952
BREANNE MCINNIS,
Further to your request, a copy of your personal credit file as of 2025/02/04 follows:
Page 1 of 18
Credit Report Request Date 2025/02/04
Personal Info
Identification
Name Reported
Current Name BREANNE MCINNIS
AKA BREANNE MCINNIS
Personal File Number Date Of Birth Social Insurance Number
4117540952 2000-XX-02 583-7
Phone Number Reported
Phone 548-883-9668
Addresses Reported
Type Last Reported Date Address City Province Postal Code
Current 2024/06/04 97 CROCUS DR SCARBOROUGH ON M1R 4T3
Credit Score as of 2025/02/04
750
▼
Equifax Credit Score
750 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
Occupation Employer Name Province Employment Dates Date Verified Salary
OPTIMA THERAPY
Page 2 of 18
Credit Report Request Date 2025/02/04
Accounts
Revolving (1)
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 (0)
Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.
Open (1)
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 18
Credit Report Request Date 2025/02/04
Accounts - Revolving
TD CREDIT CARDS
Overview
Account Highest Member Rating
Phone Notes Rating Code Description
Number Balance Number Code
Revolving - Paid as agreed and
***463 $3,176 681ON00411 R1
up to date
Balance And Amounts Account Dates
Balance $0 Opened 2024/01/27
Credit Limit $5,000 Last Reported 2024/11/29
Payment Due $10 Last Payment 2024/11/17
Actual payment $10 Date Closed
Amount Past
$0
Due
Amount Written
Off
Payment Details
Months Reviewed 11
Payment Responsibility Individual
Delinquencies
You currently have no delinquencies on your credit file.
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Credit Report Request Date 2025/02/04
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
11/2024 $0 $5,000 $3,176 $0 $10 05/2024 $445 $5,000 $3,176 $0 $10
10/2024 $623 $5,000 $3,176 $0 $613 04/2024 $82 $5,000 $3,176 $0 $11
09/2024 $736 $5,000 $3,176 $0 $113 03/2024 $641 $5,000 $1,519 $0 $10
08/2024 $1,175 $5,000 $3,176 $0 $439 02/2024 $242 $5,000 $1,519 $0
07/2024 $387 $5,000 $3,176 $0 $10 01/2024 $0 $5,000 $0 $0
06/2024 $615 $5,000 $3,176 $0 $10
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Credit Report Request Date 2025/02/04
Accounts - Mortgage
You currently have no mortgage accounts on your credit file.
Accounts - Installment
You currently have no installment accounts on your credit file.
Accounts - Open
ROGERS
Overview
Account Highest Member Rating
Phone Notes Rating Code Description
Number Balance Number Code
888-288- Open - Paid as agreed and
***253 690UT00905 O1
2106 up to date
Balance And Amounts Account Dates
Balance $0 Opened 2023/12/05
Credit Limit N/A Last Reported 2024/08/25
Payment Due Last Payment 2024/08/11
Actual
$45 Date Closed 2024/08/30
payment
Amount Past
$0
Due
Amount
Written Off
Payment Details
Months Reviewed 9
Payment Responsibility Individual
Delinquencies
You currently have no delinquencies on your credit file.
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Credit Report Request Date 2025/02/04
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
08/2024 $97 N/A $0 03/2024 $75 N/A $0
07/2024 $60 N/A $0 02/2024 $49 N/A $0
06/2024 $85 N/A $0 01/2024 $36 N/A $0
05/2024 $45 N/A $0 12/2023 $113 N/A $0
04/2024 $50 N/A $0
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Credit Report Request Date 2025/02/04
2023/06/14
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
2025/02/04 400AA00163 EQUIFAX PERSONAL SOL 800-871-3250 No
2023/10/16 651ON00580 RBC VISA 866-246-7262 No
2021/08/18 601ZQ00671 BMO MC 888-773-0179 No
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Credit Report Request Date 2025/02/04
2023/06/14
Bank Information Reported
You currently have no bank information reported on your credit file.
Page 9 of 18
Credit Report Request Date 2025/02/04
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 10 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Bankruptcy
You currently have no bankruptcies on your credit file
Page 11 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Consolidated Debt
You currently have no consolidated debt on your credit file
Page 12 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Collections
You currently have no collections on your credit file
Page 13 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Debt Recovery
You currently have no debt recovery on your credit file
Page 14 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Judgments
You currently have no judgments on your credit file
Page 15 of 18
Credit Report Request Date 2025/02/04
2023/06/14
Secured Loans
You currently have no secured loans on your credit file.
Page 16 of 18
Credit Report 2025/02/04
Request Date 2023/06/14
Alerts, Disclosures And Contact History
Service Type Details Date Reported Compliance Date
Consumer Disclosure Inquiry EQUIFAX PERSONAL SOL 2025/02/04
Page 17 of 18
Credit Report Request Date 2025/02/04
2023/06/14
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 18 of 18
