Here is a general overview of the different sections in a consumer credit report. Personal Identification Contains key identification information, such as your name, address, birth date and Social Insurance Number (SIN). Inquiries Lists all individuals or organizations that have requested a copy of your credit file in the past three years. Public Record Information Contains information about secured loans, bankruptcies and/or judgments. Third-Party Collection Agency Contains information about any involvement with a collection agency trying to settle a debt. Trade Information Provides details of your credit transactions and shows whether payments are being made. Each of these 'trade' items are evaluated by the credit grantor. The evaluations are based on industry standard ratings, the most common of which use a range from R0 to R9. R0 indicates you are too new to rate; R1 indicates that you pay within 30 days of billing or as agreed; R9 indicates a bad debt, collection or bankruptcy. Consumer Statement This is where you can add a brief comment about any information in your file. For example, if you have an R9 rating, you may want to explain that you suffered a setback due to illness, temporary unemployment or other extenuating circumstances.