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There are two main credit reporting agencies that operate across Canada: Equifax and Trans Union. Credit reporting agencies collect information on your credit history, such as how much total debt you owe and whether you make timely payments. Low levels of debt with full payments on time will result in a good credit score; higher total debt with late or missed payments will result in a worse score. New lenders will check your score before deciding whether to extend more credit to you. When you file for bankruptcy the Office of the Superintendent of Bankruptcy (OSB) will advise the...[more]