Many people are curious about their credit scores from both the present and the past. This is especially true when they want to take out a car loan in Ontario, mortgage or other type of financial opportunity. If you want a credit report from a date in the past, how can you accomplish this goal?

How to Order This Report

When you order a copy of your credit report, the agencies are the ones that provide them to you. However, you generally cannot order a credit report from a specific date from one of these entities. When ordering, they will send you the most recent version of the report. You can call to ask if any exceptions are made, but the answer will likely be no.

Tracking It Down

Now, you might really want to see that old credit report of yours. Although the odds are not in your favor, you may still be able to find it. Did you recently apply for a car loan from your local used car lot? Call the loan lending entity to find out if a copy of your credit report is still on file. You can do this for any loans that you have taken out. Be sure to keep the following notes in mind: The entities might not still have your credit reports on file. Even if they do, they may be unable to share this information with you.

Keep Accurate Files

What is the best way for you to know the condition of your credit report at a time in the past? Well, you need to keep accurate files. You are able to order your credit report once per year for free, so you could start to put all of these files in one particular cabinet. If any lending entities share a copy of the report with you, you can also store this information away for safe keeping. Ultimately, through keeping accurate files, you can be the one who provides yourself with the information that you seek.

As you can see, obtaining a copy of your credit report for a specific date is not something that is generally easy. Usually, people are interested in their current scores because these scores are the ones that actually affect them. However, some clever thinking might land you a copy of an old report.