Credit Report Request

Equifax Date
Canada Co.2024/11/14

www.consumer.equifax.ca

SHANNON SIMPSON

665 LOMBARD ST,

KAMLOOPS, BC V2C1B5

CONFIDENTIAL INFORMATION
CONSUMER USE ONLY
RE: EQUIFAX REFERENCE NUMBER: 3216207930

SHANNON SIMPSON,

Further to your request, a copy of your personal credit file as of 2024/11/14 follows:

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 Credit Report Request Date 2024/11/14

Personal Info
Identification

Name Reported

Current Name SHANNON LEEANNE SIMPSON

SHANNON L MURPHY
AKA SHANNONLEANNE SIMPSON
SHANNON LEANNE SIMPSON

Personal File Number Date Of Birth Social Insurance Number

3216207930 1979-xx-24 xxx-xx1-064

Phone Number Reported

Home 778-538-4314

Other 250-571-2773

Other 778-220-5976

Addresses Reported

Type Last Reported Date Address City Province Postal Code

Current 2022/12/01 665 LOMBARD ST KAMLOOPS BC V2C 1B5

Previous 2016/07/01 1221 HUGH ALLAN DR #7 KAMLOOPS BC V1S 1M7

Previous 2013/12/01 2025 PACIFIC WAY KAMLOOPS BC V1S 1V2

Credit Score as of 2024/11/14

483
▼

Equifax Credit Score

483 POOR FAIR GOOD VERY GOOD EXCELLENT

300-559 560-659 660-724 725-759 760-900

You don’t just have one credit score. There are many different credit scores provided by different companies that are used to help
predict how likely you are to pay your bills on time. The Equifax Credit Score provided above is created using a model developed by
Equifax and is intended for your own educational use. It is also commercially available to third parties. Please keep in mind third parties
may use a different score when evaluating your creditworthiness.
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Also, third parties will consider items other than your credit score, such as information on your credit file and information you provide in
your application for credit, when making a determination about of your creditworthiness.
 Credit Report Request Date 2024/11/14

Employment

Type Employer Name

Current SELF EMPLOYED

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 Credit Report Request Date 2024/11/14

Accounts

Revolving (1)

Revolving accounts are those that generally include a credit limit and require a minimum monthly payment, such as credit cards or
lines of credit.

Mortgage (0)

Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off.

Installment (1)

Installment accounts are loans that require payment on a monthly basis until the loan is paid off, such as auto or student loans.

Open (0)

Open accounts are those that are not already identified as revolving, mortgage, or installment accounts such as charge cards or
telco accounts.

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 Credit Report Request Date 2024/11/14

Accounts - Revolving

CANADIAN TIRE BANK

Overview

Account Highest Member Rating

Phone Notes Rating Code Description
Number Balance Number Code

Written-off
800-459- Revolving - Bad debt, collection account
***554 $334 Transferred 481ON01463 R9
6415 or unable to locate
or sold

Balance And Amounts Account Dates

Balance $0 Opened 2022/10/28

Last
Credit Limit N/A 2024/10/14
Reported

Payment Last
$10
Due Payment

Actual
Date Closed 2023/03/10
payment

Amount
Past Due

Amount
Written Off

Payment Details

Months Reviewed

Payment Responsibility Individual

Delinquencies

2023/05/12 2023/04/12 2023/03/13 2023/02/13

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 Credit Report Request Date 2024/11/14

Payment History

You can view up to 2 years of payment history on this account.

Credit High Past Credit High Past

Month Balance Payment Month Balance Payment
Limit Credit Due Limit Credit Due

10/2024 $0 $0 $334 $10 10/2023 $334 $300 $334

09/2024 $334 $300 $334 09/2023 $334 $300 $334

08/2024 $334 $300 $334 08/2023 $334 $300 $334

07/2024 $334 $300 $334 07/2023 $334 $300 $334

06/2024 $334 $300 $334 06/2023 $334 $300 $334

05/2024 $334 $300 $334 05/2023 $334 $300 $334 $79 $17

04/2024 $334 $300 $334 04/2023 $327 $300 $327 $63 $16

03/2024 $334 $300 $334 03/2023 $320 $300 $320 $46 $16

02/2024 $334 $300 $334 02/2023 $313 $300 $313 $27 $19

01/2024 $334 $300 $334 01/2023 $306 $300 $306 $0 $13

12/2023 $334 $300 $334 12/2022 $297 $300 $297 $0 $14

11/2023 $334 $300 $334 11/2022 $143 $300 $143 $0

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 Credit Report Request Date 2024/11/14

Accounts - Mortgage
You currently have no mortgage accounts on your credit file.

Accounts - Installment

REVENUE SERV BC

Overview

Account Highest Member Rating

Phone Notes Rating Code Description
Number Balance Number Code

866-361- Installment - At least 120 days

***822 $2,934 608VX00327 I5
5050 past due

Balance And Amounts Account Dates

Balance $2,557 Opened 2017/02/26

Credit Limit Last Reported 2024/09/03

Payment Due Last Payment 2023/04/05

Actual
Date Closed
payment

Amount Past
$2,557
Due

Amount
Written Off

Payment Details

Months Reviewed 69

Payment Responsibility Individual

Delinquencies

2024/09/03 2024/08/02 2024/07/02 2024/06/03 2024/05/02 2024/04/02 2024/03/04

2024/02/02 2024/01/03 2023/12/04 2023/11/03 2023/10/03 2023/09/05 2023/08/02

2023/07/04 2023/06/02 2023/05/03 2023/04/03 2023/03/02 2023/02/02 2023/01/03

2022/12/03 2022/11/03 2022/10/03 2022/09/03 2022/08/03 2022/07/04 2022/06/03

2022/05/03 2022/04/04 2022/03/03 2022/02/03 2022/01/04 2021/12/03 2021/11/03

2021/10/04 2021/09/03 2021/08/03 2021/07/03

Page 7 of 26 2021/06/03 2021/05/03 2021/04/06

2021/03/03 2021/02/03 2021/01/04 2020/12/03 2020/11/03 2020/10/03 2020/09/03

 Credit Report Request Date 2024/11/14

2020/08/04 2020/07/03 2020/06/05 2020/05/11 2020/03/03 2020/02/03 2020/01/03

2019/12/03 2019/11/04 2019/10/03 2019/09/03 2019/08/03 2019/07/02 2019/06/03

2019/05/03 2019/04/02 2019/03/04 2019/02/04 2019/01/03 2018/12/03

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Payment History

You can view up to 2 years of payment history on this account.

Credit High Past Credit High Past

Month Balance Payment Month Balance Payment
Limit Credit Due Limit Credit Due

09/2024 $2,557 N/A $2,934 $2,557 10/2021 $2,754 N/A $2,934 $2,754

08/2024 $2,557 N/A $2,934 $2,557 09/2021 $2,754 N/A $2,934 $2,754

07/2024 $2,557 N/A $2,934 $2,557 08/2021 $2,754 N/A $2,934 $2,754

06/2024 $2,557 N/A $2,934 $2,557 07/2021 $2,754 N/A $2,934 $2,754

05/2024 $2,557 N/A $2,934 $2,557 06/2021 $2,754 N/A $2,934 $2,754

04/2024 $2,557 N/A $2,934 $2,557 05/2021 $2,754 N/A $2,934 $2,754

03/2024 $2,557 N/A $2,934 $2,557 04/2021 $2,754 N/A $2,934 $2,754

02/2024 $2,557 N/A $2,934 $2,557 03/2021 $2,754 N/A $2,934 $2,754

01/2024 $2,557 N/A $2,934 $2,557 02/2021 $2,754 N/A $2,934 $2,754

12/2023 $2,557 N/A $2,934 $2,557 01/2021 $2,754 N/A $2,934 $2,754

11/2023 $2,557 N/A $2,934 $2,557 12/2020 $2,754 N/A $2,934 $2,754

10/2023 $2,557 N/A $2,934 $2,557 11/2020 $2,754 N/A $2,934 $2,754

09/2023 $2,557 N/A $2,934 $2,557 10/2020 $2,754 N/A $2,934 $2,754

08/2023 $2,557 N/A $2,934 $2,557 09/2020 $2,754 N/A $2,934 $2,754

07/2023 $2,557 N/A $2,934 $2,557 08/2020 $2,754 N/A $2,934 $2,754

06/2023 $2,557 N/A $2,934 $2,557 07/2020 $2,754 N/A $2,934 $2,754

05/2023 $2,557 N/A $2,934 $2,557 $117 06/2020 $2,754 N/A $2,934 $2,754

04/2023 $2,674 N/A $2,934 $2,674 05/2020 $2,754 N/A $2,934 $2,754 $49

03/2023 $2,674 N/A $2,934 $2,674 03/2020 $2,803 N/A $2,934 $2,803

02/2023 $2,674 N/A $2,934 $2,674 02/2020 $2,803 N/A $2,934 $2,803 $50

01/2023 $2,674 N/A $2,934 $2,674 01/2020 N/A

12/2022 $2,674 N/A $2,934 $2,674 12/2019 N/A

11/2022 $2,674 N/A $2,934 $2,674 11/2019 $2,853 N/A $2,934 $2,853 $50

10/2022 $2,674 N/A $2,934 $2,674 10/2019 $2,903 N/A $2,934 $2,903
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09/2022 $2,674 N/A $2,934 $2,674 09/2019 N/A
 Credit Report Request Date 2024/11/14

08/2022 $2,674 N/A $2,934 $2,674 08/2019 N/A

07/2022 $2,674 N/A $2,934 $2,674 07/2019 $2,934 N/A $2,934 $2,934

06/2022 $2,674 N/A $2,934 $2,674 06/2019 $2,934 N/A $2,934 $2,934

05/2022 $2,674 N/A $2,934 $2,674 05/2019 $2,934 N/A $2,934 $2,934

04/2022 $2,674 N/A $2,934 $2,674 $79 04/2019 $2,934 N/A $2,934 $2,934

03/2022 $2,754 N/A $2,934 $2,754 03/2019 $2,934 N/A $2,934 $2,934

02/2022 $2,754 N/A $2,934 $2,754 02/2019 $2,929 N/A $2,929 $2,929

01/2022 $2,754 N/A $2,934 $2,754 01/2019 $2,920 N/A $2,920 $2,920

12/2021 $2,754 N/A $2,934 $2,754 12/2018 N/A

11/2021 $2,754 N/A $2,934 $2,754

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 Credit Report Request Date 2024/11/14

Accounts - Open
You currently have no open accounts on your credit file.

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 Credit Report Request Date 2024/11/14

Inquiries

A record of access to your credit file is created by posting inquiries to your credit file. An inquiry will include the name of the entity
that accessed your credit file and a phone number that you can call if you have questions about the access. Two types of inquiries
may be posted on your credit file; hard and soft inquiries. Soft inquiries are visible only to you and do not affect credit scores. Hard
inquiries are visible to any authorized recipient of your credit file and may affect credit scores.

DATE MEMBER NUMBER MEMBER NAME PHONE MAY AFFECT SCORES

2024/11/12 481FZ50866 BORROWELL 888-285-0990 No

2024/11/05 481FZ50866 BORROWELL 888-285-0990 No

2024/10/29 481FZ50866 BORROWELL 888-285-0990 No

2024/10/23 481AU03240 AUTOAGENTS 613-909-3884 Yes

2024/10/22 481FZ50866 BORROWELL 888-285-0990 No

2024/10/15 481FZ50866 BORROWELL 888-285-0990 No

2024/10/08 481FZ50866 BORROWELL 888-285-0990 No

2024/09/17 481FZ50866 BORROWELL 888-285-0990 No

2024/09/10 481FZ50866 BORROWELL 888-285-0990 No

2024/09/03 481FZ50866 BORROWELL 888-285-0990 No

2024/08/27 481FZ50866 BORROWELL 888-285-0990 No

2024/08/20 481FZ50866 BORROWELL 888-285-0990 No

2024/08/13 481FZ50866 BORROWELL 888-285-0990 No

2024/08/06 481FZ50866 BORROWELL 888-285-0990 No

2024/08/02 651FZ01087 MDG COMPUTERS CANADA 800-906-0976 No

2024/07/30 481FZ50866 BORROWELL 888-285-0990 No

2024/07/23 481FZ50866 BORROWELL 888-285-0990 No

2024/07/16 481FZ50866 BORROWELL 888-285-0990 No

2024/07/09 481FZ50866 BORROWELL 888-285-0990 No

2024/07/02 481FZ50866 BORROWELL 888-285-0990 No

2024/06/25 481FZ50866 BORROWELL 888-285-0990 No

2024/06/18 481FZ50866 BORROWELL 888-285-0990 No

2024/06/12 481BB36399 CAP ONE 800-481-3239 Yes

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2024/06/12 400BQ00016 CAPONE BANK AML 800-481-3239 No

2024/06/12 400BB18031 CAPITAL ONE BANK 800-481-3239 No

 Credit Report Request Date 2024/11/14

2024/06/11 481FZ50866 BORROWELL 888-285-0990 No

2024/06/04 481FZ50866 BORROWELL 888-285-0990 No

2024/05/26 481FZ50866 BORROWELL 888-285-0990 No

2023/09/19 481FZ50866 BORROWELL 888-285-0990 No

2023/09/12 481FZ50866 BORROWELL 888-285-0990 No

2023/09/05 481FZ50866 BORROWELL 888-285-0990 No

2023/08/29 481FZ50866 BORROWELL 888-285-0990 No

2023/08/22 481FZ50866 BORROWELL 888-285-0990 No

2023/08/15 481FZ50866 BORROWELL 888-285-0990 No

2023/08/08 481FZ50866 BORROWELL 888-285-0990 No

2023/08/01 481FZ50866 BORROWELL 888-285-0990 No

2023/07/25 481FZ50866 BORROWELL 888-285-0990 No

2023/07/18 481FZ50866 BORROWELL 888-285-0990 No

2023/07/11 481FZ50866 BORROWELL 888-285-0990 No

2023/07/04 481FZ50866 BORROWELL 888-285-0990 No

2023/06/27 481FZ50866 BORROWELL 888-285-0990 No

2023/06/21 481FZ50866 BORROWELL 888-285-0990 No

2023/06/13 481FZ50866 BORROWELL 888-285-0990 No

2023/06/06 481FZ50866 BORROWELL 888-285-0990 No

2023/05/30 481FZ50866 BORROWELL 888-285-0990 No

2023/05/26 481BB10362 CIBC AMICUS 866-639-5011 No

2023/05/24 481BB35292 SIMPLII FINANCIAL 888-723-8881 Yes

2023/05/23 481FZ50866 BORROWELL 888-285-0990 No

2023/05/16 481FZ50866 BORROWELL 888-285-0990 No

2023/05/09 481FZ50866 BORROWELL 888-285-0990 No

2023/05/02 481FZ50866 BORROWELL 888-285-0990 No

2023/04/25 481FZ50866 BORROWELL 888-285-0990 No

2023/04/18 481FZ50866 BORROWELL 888-285-0990 No

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2023/04/11 481FZ50866 BORROWELL 888-285-0990 No
 Credit Report Request Date 2024/11/14

2023/04/04 481FZ50866 BORROWELL 888-285-0990 No

2023/03/28 481FZ50866 BORROWELL 888-285-0990 No

2023/03/24 481UT02445 BELL MOBILITY 800-509-9904 Yes

2023/03/21 481FZ50866 BORROWELL 888-285-0990 No

2023/03/14 481FZ50866 BORROWELL 888-285-0990 No

2023/03/07 481FZ50866 BORROWELL 888-285-0990 No

2023/02/28 481FZ50866 BORROWELL 888-285-0990 No

2023/02/14 481FZ50866 BORROWELL 888-285-0990 No

2023/02/07 481FZ50866 BORROWELL 888-285-0990 No

2023/01/31 481FZ50866 BORROWELL 888-285-0990 No

2023/01/24 481FZ50866 BORROWELL 888-285-0990 No

2023/01/17 481FZ50866 BORROWELL 888-285-0990 No

2023/01/10 481FZ50866 BORROWELL 888-285-0990 No

2023/01/03 481FZ50866 BORROWELL 888-285-0990 No

2022/12/27 481FZ50866 BORROWELL 888-285-0990 No

2022/12/20 481FZ50866 BORROWELL 888-285-0990 No

2022/12/13 481FZ50866 BORROWELL 888-285-0990 No

2022/12/06 481FZ50866 BORROWELL 888-285-0990 No

2022/12/02 601FD07024 COAST CAPITAL SAVING 604-517-7000 No

2022/11/29 481FZ50866 BORROWELL 888-285-0990 No

2022/11/22 481FZ50866 BORROWELL 888-285-0990 No

2022/11/15 481FZ50866 BORROWELL 888-285-0990 No

2022/11/08 481FZ50866 BORROWELL 888-285-0990 No

2022/11/01 481FZ50866 BORROWELL 888-285-0990 No

2022/10/25 481FZ50866 BORROWELL 888-285-0990 No

2022/10/18 481FZ50866 BORROWELL 888-285-0990 No

2022/10/11 481FZ50866 BORROWELL 888-285-0990 No

2022/10/06 608VX00137 MHSD 250-356-0809 No

2022/10/04 481FZ50866 Page 14 of 26

BORROWELL 888-285-0990 No

2022/09/27 481FZ50866 BORROWELL 888-285-0990 No

 Credit Report Request Date 2024/11/14

2022/09/20 470FZ00284 MDG 800-906-0976 No

2022/09/20 400BB18031 CAPITAL ONE BANK 800-481-3239 No

2022/09/19 481FZ50866 BORROWELL 888-285-0990 No

2022/06/28 481FZ50866 BORROWELL 888-285-0990 No

2022/06/21 481FZ50866 BORROWELL 888-285-0990 No

2022/06/14 481FZ50866 BORROWELL 888-285-0990 No

2022/06/07 481FZ50866 BORROWELL 888-285-0990 No

2022/05/31 481FZ50866 BORROWELL 888-285-0990 No

2022/05/24 481FZ50866 BORROWELL 888-285-0990 No

2022/05/17 481FZ50866 BORROWELL 888-285-0990 No

2022/05/12 481MZ00344 IFINANCE 888-689-9876 Yes

2022/05/10 481FZ50866 BORROWELL 888-285-0990 No

2022/05/03 481FZ50866 BORROWELL 888-285-0990 No

2022/04/26 481FZ50866 BORROWELL 888-285-0990 No

2022/04/19 481FZ50866 BORROWELL 888-285-0990 No

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 Credit Report Request Date 2024/11/14

Bank Information Reported

You currently have no bank information reported on your credit file.

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 Credit Report Request Date 2024/11/14

Public Records

Bankruptcy (0)

Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off your outstanding debts.

Consolidated Debt (0)

This is often a strategy to reorganize multiple debts into a single payment to potentially lower the overall interest rate.

Collections (2)

When a debt is in collections, a creditor transfers it to a collections agent to attempt to recover past-due payments.

Debt Recovery (0)

These are past due debts owed by you that were recovered in a court of law.

Judgments (0)

A judgment is a court order where a person in debt pays a specific amount of money by law to a plaintiff.

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Bankruptcy
You currently have no bankruptcies on your credit file

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Consolidated Debt
You currently have no consolidated debt on your credit file

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 Credit Report Request Date 2024/11/14

Collections

BC HYDRO RESIDENTIAL REA

Date Assigned 2023/08/01

Member Name GENCREDIT18558863653

Phone Number

Member Number 601YX00948

First Delinquency 2022/10/01

Account Number ***004

Amount $693

Status

Balance $693

Narrative

Date Paid/Settled

Date Verified

Last Payment Date 2022/10/01

CANACCEDE CANADIAN TIRE

Date Assigned 2024/10/01

Member Name VERITASALL

Phone Number

Member Number 481YC00580

First Delinquency 2023/06/01

Account Number ***665

Amount $336

Status

Balance $336

Narrative

Date Paid/Settled Page 20 of 26

Date Verified
 Credit Report Request Date 2024/11/14

Last Payment Date 2023/06/01

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 Credit Report Request Date 2024/11/14

Debt Recovery
You currently have no debt recovery on your credit file

Page 22 of 26
 Credit Report Request Date 2024/11/14

Judgments
You currently have no judgments on your credit file

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 Credit Report Request Date 2024/11/14

Secured Loans
You currently have no secured loans on your credit file.

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 Credit Report Request Date 2024/11/14

Alerts, Disclosures And Contact History

You currently have no Alerts, Disclosures and Contact History on your credit file.

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 Credit Report Request Date 2024/11/14

Contact Us

You may also contact us via one of these channels:

To request a copy of your credit file or to submit a credit file update, please visit us at:
www.consumer.equifax.ca and click on CREDIT REPORT ASSISTANCE
By phone (automated phone system): 1-800-465-7166
In writing: Equifax Canada P.O. Box 190, Montreal (Quebec) H1S 2Z2

Contact TransUnion

There is another credit reporting agency in Canada:

Consumer Relations Centre

3115 Harvester Road
Suite 201
Burlington, ON L7N 3N8

Tel: 1-800-663-9980
Tel: 1-877-713-3393 (for Quebec)

www.transunion.ca

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