Credit Reports Nova Scotia

Nova Scotia recognizes the importance of your rights when it comes to credit reporting. The Government of Nova Scotia has established a Consumer Reporting Act that governs your rights in relation to the credit reports and the agencies that manage them.

How does the Credit Reporting work in Nova Scotia?

Keep yourself informed! Many Canadians are unaware of the amount of data that is collected on their credit reports. What is a credit report? A credit report is a snapshot of your financial health and it is used whenever you apply for a loan and it contains personal details of your financial transactions. Safely collecting and keeping this information is paramount. The Consumer Reporting Act establishes your rights as a consumer and outlines who can use your reports and what it can be used for. This is important because in Canada, your credit file can have a substantial impact on your ability to qualify for a loan, a credit card, or getting approved for a car loan.

Does the government protect information on my credit report?

Credit bureaus in Canada, by law, are required to capture and share only accurate information about your financial transactions. But to be protected from inaccuracies in your credit report, you have to request for information to be updated. This is a very important note to make. You are responsible for checking your credit report and making sure it is accurate. You can request a free credit report from the credit bureaus by mail or phone. It is recommended that you check your credit history report at least once a year.

How to I update my credit report in Nova Scotia?

  • Request for a Free Credit Report and review it for inaccuracies
  • Contact the credit bureau to resolve the issue
  • If you can’t resolve an issue with the credit bureau. Contact the Nova Scotia government at 1-800-670-4357, online by visiting the Service Nova Scotia or my mail at,

Public Enquiries – Service Nova Scotia & Municipal Relations
Mail Room, 8 South, Maritime Centre
1505 Barrington Street
Halifax, Nova Scotia B3J 3K5

The best way to have good credit rating is to monitor your credit reports and promptly correct any inaccuracies that you find. Follow our blog at Credit Reports Canada to stay up to date on strategies to manage, monitor and maintain a good credit history.