But anyone can access their own information at any time. Officials can only speculate. Most credit grantors supply the bureaus with information that is accurate and legible. And that's when mistakes are likely to be made. Still, Michel Globensky, Equifax Canada's assistant vice-president of administration and security, says hundreds of thousands of Canadians obtain copies of their credit reports each year and Equifax is diligent when it comes to eradicating errors.
Information is our lifeblood.
Even so, before negotiating a mortgage or applying for a loan or credit card, Campbell of CCS advises people to review their own credit ratings first. And if there's any justified black mark on your record that you've forgotten about, at least you know what it's there for. In the meantime, I'll patiently wait as Equifax uncrosses the various David Menzies in its files. Who knows, maybe one day I'll even get to meet my credit clone. We could go down to the local watering hole and share tales of credit report woes over a beer.