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 Do I Qualify?
What information will I need to apply?
What is the Application Process
What is a Credit Report
Our Terms and Conditions
Privacy and Security
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Resident of Canada or the United States
A Canadian resident is a citizen of Canada living in Canada or a landed immigrant living in Canada.
A United States resident is a citizen of the UNited States living in the United States or a landed immigrant living in
the United States.
Age of Majority
| State, Province or territory | Age of Majority |
Alabama, Nebraska, Wyoming | 19 |
District of Columbia, Mississippi | 21 |
All other States in the US | 18 |
Alberta, Manitoba, Ontario, Prince Edward Island, Quebec, Saskatchewan |
18 |
British Columbia, New Brunswick, Newfoundland and Labrador, The Northwest Territories
, Nova Scotia, Nunavut, the Yukon |
19 |
Reason for credit
Choose which of the following reasons best describes your credit needs:
- Emergency: a reserve of funds in case of unexpected expenses
- Home renovation: funds for renovations to your house or vacation property
- Vacation: funds for taking a holiday
What is the definition of 'correct name'?
Your correct name is your full legal name, including any middle names and without abbreviations.
What are my occupation choices?
The following are the occupation categories you can choose from when filling out your application. Choose the one which best
describes your current job.
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Administrative
Cashier, clerk, telephone operator, receptionist, assistant, coordinator, secretary
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Air Transportation
Pilots, air traffic controllers
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Arts & Entertainment
Actor, artist, musician, photographer, writer
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Business & Commerce
Account executive, business consultant, stockbroker, financial adviser, economist
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Computer
IT professional
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Educator & Trainer
Professor, teacher, instructor
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Executive
District Manager, President, Regional Manager, Vice-President
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Healthcare Practitioners & Technicians
Nurse, chiropractor, dietician, lab technician, social worker, pharmacist
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Homemaker
Housewife, househusband
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Management
Business owner, bank officer
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Manufacturing & Production
Manufacturing, repair, machine operator, seamstress
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Media & Communications
Journalist, copywriter, marketing, public relations, librarian
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Military - Commissioned
Commissioned military officer
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Military
Enlisted, non-commissioned
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Outdoor Worker
Construction, maintenance, farmer, miner, landscaper, gardener
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Professional
Doctor, dentist, lawyer, engineer, architect
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Retired
No longer working but still receiving income (pension or disability)
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Sales
Broker, insurance agent, jeweller, retail, sales clerk
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Science
Biologist, chemist, physicist, scientific researcher
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Service Industry
Baker, cook, flight attendant, housekeeper, waitress, waiter
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Student
Full-time student
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Surveyors & Drafters
Surveyors, drafters, cartographers, urban planners
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Trades
Carpenter, electrician, mason, plumber, skilled apprentice, mechanic
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Transportation
Bus, taxi, truck driver
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Uniformed Worker
Fire person, law enforcement official, police officer, postal worker, security officer
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None of the above
Social Insurance Number (SIN)
If my SIN is optional, why should I provide it?
When we obtain a report and update your information with a credit bureau, your SIN is the best way to make sure that the
information actually refers to you. Wrong information can lead us into making wrong conclusions about you. You should be
aware, though, that using your SIN this way is voluntary for you. While the law requires us to ask for your SIN when you open
an account which earns income, we need to get your consent to use it in any other way. If you choose not to give us your SIN,
this by itself will not prevent you from getting credit or any other service.
Sources of Income
The following are definitions of some of the sources of income specified in your application:
- Employment income (gross): your income from your job, before taxes
- Pension: a sum of money paid regularly as a retirement benefit
- Investment: income from a property or another possession acquired for future financial return or benefit
- Rental: income yielded from rental property
- Bonus, commission, tips: a sum of money (or the equivalent) given to an employee in addition to the employee's usual
compensation
- Disability support: a payment made to someone who has become disabled and is unable to work
- Worker's Compensation: annuity payments required by law to be made to an employee who is injured or disabled in
connection with work
- RRIF: Registered Retirement Income Fund
- Alimony, child support: a support paid by one spouse to financially support the other spouse or children
- Car allowance: payment given towards transportation, usually when necessary for work
How do I save Internet pages?
- From the File menu, choose Save As.
- Select the location where you would like to save your page.
- For convenience, make sure the File Name is easy to remember (you can change it if you prefer).
- Select the Save button on the right hand side.
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