What is a Credit Report?

A credit report will be obtained as part of the loan application process. The credit report will show your payment history, credit limits, monthly payments and current balances.

If you would like to request a copy of your current credit report in advance, there are two major credit reporting companies: Equifax (1 800 465 7166) and Trans Union (1-877-713-3393). Obtaining your credit report is as easy as calling and requesting one. Once you receive the report, it’s important to verify its accuracy. Double check your credit history, your current credit limits, and any past due accounts. It’s a good idea to follow up with any creditors showing past due accounts, which might affect your ability to be approved for financing.  If there are any incorrect items, be sure to have the creditor remove them from your report.


For the health and welfare of all customers and staff, our office is temporarily closed to the public. We are taking action to limit contact with the public, while still being there for you, our customers. New Home viewings are still available on an appointment only basis. All enquiries are to be made via our office phone voicemail system (902)835-8388 or by email:

If you have made an appointment with a home consultant, please confirm before coming in. Obviously, if you have been out of Nova Scotia and are in a self-isolation situation or have been in contact with someone who has recently been outside of Nova Scotia, please reschedule. If you have COVID-19 symptoms, please reschedule. We are closely monitoring the rapidly-evolving COVID-19 situation. We are committed to following the guidelines issued by all levels of Government.

Note: This information is current as of December 1st, 2020. As Governments continue to address the COVID-19 pandemic with additional responses, we will ensure our customers are kept informed.

Holler Box