CONSUMER RELATIONS CENTRE IMPORTANT!
3115 Harvester Road, Suite 201 The information contained in this report is personal and
Burlington Ontario L7N 3N8
Toll free: 1-800-663-9980
www.transunion.ca
YVES QUIRION
269-1136 RTE 269,
ST-METHODE-DE-FR QC
G0N 1S0
This information is designed to answer the most frequently asked questions of
personal credit reports. If, after reading the answers to these questions, you
believe changes should be made to your report, please make specific notations
of these changes on the attached Investigation request form. We will verify the
items indicated within approximately 30 days and will update your file to
reflect, where appropriate, the new information received. You will be notified
with the results of our findings immediately after our investigation is completed.
Please note that we must contact the source of the disputed information before
any changes to your file can be made. We strongly suggest that you do not apply
for credit during the time an item on your file is being investigated. If, following
our investigation, we delete, amend or correct any information in the credit file,
we will, as required by law, send notice to parties whom a report containing the
inaccurate information was given. If the investigation does not resolve your
dispute, you may choose to have a statement added to your file. Your statement
will be placed directly on your credit file and will provide credit grantors with
access to your explanation. A statement can be a maximum of 100 words within
Canada. Exception: 200 words within Saskatchewan.
1. WHAT IS A CREDIT REPORTING AGENCY?
Credit reporting agencies help facilitate the process of granting consumers credit
in a timely manner. TransUnion collects and stores factual information about
your credit and financial history. Credit grantors provide credit reporting
agencies with factual information on how the credit grantors' customers pay
their bills. The credit reporting agency then assembles this information that is
collected from each credit grantor and the credit reporting agency creates a
"credit file" based on this consolidated information.
2. HOW DID I BECOME PART OF TRANSUNION'S FILES?
Normally your first credit application, which results in a request for a credit
report, causes the creation of your credit record in our files. Once a record is
established, credit information, such as payment history, supplied by your
creditors enables your file to be updated automatically.
3. IS THIS MY ENTIRE CREDIT FILE?
Not all credit grantors that you do business with will report their accounts to
credit reporting agencies due to the expense and time involved. As such, a
credit report is not necessarily a complete summary of all your finances. There
is also more than one credit reporting agency in Canada and a file containing
information about your credit and financial history may also be maintained by a
source other than TransUnion. We would encourage you to contact them in
order to review any credit file that may be held containing information relating
to you.
4. WHAT IF I DO NOT AGREE WITH WHAT IS ON MY FILE?
The information reflected on your credit report is a direct extraction from the
information provided to TransUnion by credit grantors, federal and provincial
government offices and public registries. The details relating to manner of
payment, payment pattern and historical status reflect the reported manner in
which you paid your accounts. TransUnion cannot alter the information
reported, unless it is determined to be incomplete or otherwise inaccurate. You
have the right to dispute any information contained in your credit file and, at
your request, we will conduct an investigation to verify the disputed
information.
End of Page 1
confidential, intended solely for the use of the individual
named. No other viewing or use is permitted or legal
TU Case ID V2521032
5. WHAT IS A CREDIT SCORE?
A credit score is an unbiased value that is used by creditors to predict the credit
risk of those applying for credit. It is a score that takes into account all
information on your credit file and assigns an objective numerical value that
represents the risk of granting you credit. TransUnion provides the information
to create this score value.
6. DOES THE CREDIT REPORTING AGENCY DECIDE WHETHER I
SHOULD BE GRANTED CREDIT?
No! In each case the credit grantor, based on its own requirements for extending
credit, makes the decision to grant, or decline the request for credit.
TransUnion is not involved in this determination. Credit grantors extend credit
based upon their own policies and standards utilizing the information
TransUnion provides. These standards can vary from one creditor to another.
7. WHO HAS ACCESS TO MY FILE?
Your credit information can only be accessed by those agencies you give
consent to. A company must have a legitimate and permissible purpose for
accessing your file such as: the extension of credit, employment, tenancy,
insurance or collection of debt.
8. WHEN DOES NEGATIVE INFORMATION COME OFF MY FILE?
It is TransUnion's policy to record all information for the maximum time
allowed by credit reporting legislation. For example, first-time bankruptcy
information reports for 6 to 7 years from discharge date, depending on the
province. We encourage you to check your provincial legislation for full details
on the reporting periods for negative information.
9. WHY IS A LOAN OR ACCOUNT I HAVE PAID OFF STILL IN MY
CREDIT HISTORY?
Your credit file is a record of how you have paid your past obligations.
Therefore, information of paid accounts and the manner in which those
accounts were handled is included in your credit file and provides potential
credit grantors with the needed indication of your ability and willingness to
meet debt obligations.
10. WHAT ARE THE DIFFERENT ACCOUNT RATINGS?
TYPES OF ACCOUNTS
O - Open Account (payment required in full)
R - Revolving or Option (30 days)
I - Installment (fixed number of payments)
M - Mortgage
USUAL MANNER OF PAYMENT
0 - Too new to rate; approved, but not used
1 - Pays (or paid) within 30 days of billing pays account as agreed
2 - Pays (or paid) in more than 30 days, but not more than 60 days
3 - Pays (or paid) in more than 60 days but not more than 90 days
4 - Pays (or paid) in more than 90 days, but not more than 120 days
5 - Account is at least 120 days overdue but is not yet rated a "9"
7 - Making regular payments under a consolidation order or similar
arrangement
8 - Repossession
9 - Bad debt, placed for collection; skip
X - Unknown
YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Information regarding your credit history was first reported to TransUnion on Oct 01, 1994 and was last reviewed by [*
CONSUMER DISCLOSURE *] on May 18, 2023 . The information in the remainder of this report represents the contents of
your file as of May 18, 2023 . Blank areas indicate that this information was not reported to TransUnion.

Personal Information:
This section includes your Surname, Given Name(s), Middle Name, notification if your Social Insurance Number is ON FILE and
Birth Date. Blank areas indicate that this information was not reported to TransUnion.
Surname Given Name(s) Middle Name Suffix Social Insurance No Birth Date

Your Information QUIRION YVES ON FILE Feb 27, 1968

Address(es):
This section lists all of the addresses on your file. Your most current Since date address is listed first.

Telephone
Address City Prov Postal Type Own Since
Associations
269 - 1136 RTE 269 ST-METHODE-DE-FR QC G0N1S0 Home Dec 01, 2002 4183386488

1356 RTE 269 SACRE-COEUR-DE-M QC G0N1W0 Home Oct 01, 1994 4183388061

Employment(s):
This section lists all of the employments on your file with the most recent listed first.
Date Employer's Name, City and Province Occupation Start Date Finish Date Pay Pay Frequency

Apr 26, 2005 BONNEVILLE PORTER AND FENETRES

Telephone Number(s):
This section lists all of the telephone numbers on your file:

Qualifier Number Extension Type Date

Home 4183376488 Oct 29, 2014

Home 4183386488 Dec 01, 2002

Home 4183388061 Oct 01, 1994

Account(s):
This section lists all the accounts that have been reported by various institutions with which you have established a credit
relationship. This section will also display up to 24 months of payment history details, if reported.
Creditor Name
BELL MOBILITY Payment History
Reported Date May 27, 2020 Last Payment Date Mar 13, 2020 Terms: 0/M 30 60 90 #M
Opened Date Nov 26, 2017 Posted Date Jun 02, 2020 0 0 0 12
Closed Date Charge Off Date Account OPEN / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2020 0 0 0 1 0 76 0 0 CZ /
Legend: CZ-Closed at consumer's request

End of Page 2 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
C.P. HAUTS-RELIEFS (FRONTENAC) Payment History
Reported Date Feb 28, 2007 Last Payment Date Feb 01, 2007 Terms: 0/M 30 60 90 #M
Opened Date Apr 01, 2004 Posted Date 0 0 0 35
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2007 0 0 1 0 5000 PD /
Legend: PD-Paid

Creditor Name
C.P. HAUTS-RELIEFS (FRONTENAC) Payment History
Reported Date Sep 30, 2009 Last Payment Date Sep 01, 2009 Terms: 0/W 30 60 90 #M
Opened Date Dec 02, 2002 Posted Date 0 0 0 109
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Sep 2009 0 0 1 0 5000 0 CZ / LC
Legend: CZ-Closed at consumer's request, LC-Line of credit

Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Oct 31, 2019 Last Payment Date Sep 01, 2019 Terms: 0/M 30 60 90 #M
Opened Date Jan 22, 2015 Posted Date Nov 01, 2019 0 0 0 57
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2019 0 0 1 0 12321 12321 0 0 CZ / LC
Legend: CZ-Closed at consumer's request, LC-Line of credit

Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Jan 30, 2015 Last Payment Date Dec 01, 2014 Terms: 0/M 30 60 90 #M
Opened Date Aug 28, 2013 Posted Date Feb 04, 2015 0 0 0 16
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jan 2015 0 0 1 0 995 995 0 0 CZ / LC
Legend: CZ-Closed at consumer's request, LC-Line of credit

Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Aug 30, 2013 Last Payment Date Aug 01, 2013 Terms: 0/M 30 60 90 #M
Opened Date Jul 12, 2007 Posted Date Sep 09, 2013 0 0 0 40
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2013 0 0 1 0 18000 0 0 PD /
Legend: PD-Paid

End of Page 3 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
CANADIAN TIRE BANK Payment History
Reported Date May 09, 2023 Last Payment Date May 02, 2023 Terms: 54/M 30 60 90 #M
Opened Date Nov 12, 2007 Posted Date May 10, 2023 0 0 0 186
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2023 1663 60 0 1 54 3996 5000 0 0
Apr 2023 1550 80 0 1 56 3996 5000 0 0
Mar 2023 1603 100 0 1 58 3996 5000 0 0
Feb 2023 1678 100 0 1 61 3996 5000 0 0
Jan 2023 1749 100 0 1 63 3996 5000 0 0
Dec 2022 1817 80 0 1 59 3996 5000 0 0
Nov 2022 1713 80 0 1 61 3996 5000 0 0
Oct 2022 1763 80 0 1 62 3996 5000 0 0
Sep 2022 1796 70 0 1 64 3996 5000 0 0
Aug 2022 1835 60 0 1 47 3996 5000 0 0
Jul 2022 1580 60 0 1 46 3996 5000 0 0
Jun 2022 1553 40 0 1 30 3996 5000 0 0
May 2022 1012 40 0 1 33 3996 5000 0 0
Apr 2022 988 50 0 1 42 3996 5000 0 0
Mar 2022 1021 60 0 1 43 3996 5000 0 0
Feb 2022 1065 45 0 1 40 3996 5000 0 0
Jan 2022 991 60 0 1 41 3996 5000 0 0
Dec 2021 1034 60 0 1 39 3996 5000 0 0
Nov 2021 961 40 0 1 23 3996 5000 0 0
Oct 2021 179 60 0 1 24 3996 5000 0 0
Sep 2021 195 40 0 1 25 3996 5000 0 0
Aug 2021 233 60 0 1 27 3996 5000 0 0
Jul 2021 290 40 0 1 22 3996 5000 0 0
Jun 2021 277 35 0 1 12 3996 5000 0 0
May 2021 141 20 0 1 12 3996 5000 0 0
Legend:

Creditor Name
CANADIAN TIRE BANK Payment History
Reported Date Dec 04, 2020 Last Payment Date Jan 11, 2020 Terms: 0/M 30 60 90 #M
Opened Date Jun 09, 2017 Posted Date Dec 05, 2020 1 0 0 42
Closed Date Dec 03, 2020 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2020 0 0 0 1 0 958 3500 0 0 AC /
Legend: AC-Account closed/rating non derogatory

End of Page 4 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
CIBC CREDIT CARDS Payment History
Reported Date May 07, 2023 Last Payment Date May 03, 2023 Terms: 19/M 30 60 90 #M
Opened Date Jun 18, 2008 Posted Date May 09, 2023 0 0 0 180
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2023 532 40 0 1 19 1108 2200 0 0
Apr 2023 562 60 0 1 21 1108 2200 0 0
Mar 2023 611 30 0 1 22 1108 2200 0 0
Feb 2023 631 40 0 1 23 1108 2200 0 0
Jan 2023 659 60 0 1 24 1108 2200 0 0
Dec 2022 706 30 0 1 25 1108 2200 0 0
Nov 2022 724 40 0 1 26 1108 2200 0 0
Oct 2022 750 40 0 1 27 1108 2200 0 0
Sep 2022 776 40 0 1 28 1108 2200 0 0
Aug 2022 802 40 0 1 24 1108 2200 0 0
Jul 2022 827 88 0 1 27 1108 2200 0 0
Jun 2022 900 140 0 1 30 1108 2200 0 0
May 2022 1022 0 0 1 30 1108 2200 0 0
Apr 2022 1004 40 0 1 30 1108 2200 0 0
Mar 2022 1026 60 0 1 32 1108 2200 0 0
Feb 2022 1068 60 0 1 33 1108 2200 0 0
Jan 2022 1108 40 0 1 18 1108 2200 0 0
Dec 2021 622 40 0 1 19 1063 2200 0 0
Nov 2021 650 20 0 1 13 1063 2200 0 0
Oct 2021 456 40 0 1 14 1063 2200 0 0
Sep 2021 488 20 0 1 10 1063 2200 0 0
Aug 2021 293 20 0 1 10 1063 2200 0 0
Jul 2021 105 0 0 1 0 1063 2200 0 0
Jun 2021 0 0 0 1 0 1063 2200 0 0
May 2021 0 0 0 1 0 1063 2200 0 0
Legend:

Creditor Name
CITI FINANCIAL Payment History
Reported Date Aug 20, 2012 Last Payment Date Aug 20, 2012 Terms: 0/M 30 60 90 #M
Opened Date Nov 12, 2004 Posted Date Aug 23, 2012 0 0 0 94
Closed Date Jan 15, 2010 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2012 0 0 1 0 782 8000 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
CITI FINANCIAL Payment History
Reported Date May 01, 2012 Last Payment Date May 22, 2012 Terms: 0/M 30 60 90 #M
Opened Date Apr 08, 2011 Posted Date Jun 12, 2012 0 0 0 14
Closed Date May 22, 2012 Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
May 2012 0 0 1 0 12460 0 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Dec 30, 2011 Last Payment Date Dec 30, 2011 Terms: 0/M 30 60 90 #M
Opened Date May 28, 2009 Posted Date Jan 08, 2012 0 0 0 32
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Dec 2011 0 0 1 0 2203 5000 0 AC / IN
Legend: AC-Account closed/rating non derogatory, IN-Inactive account

End of Page 5 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
CITI FINANCIAL Payment History
Reported Date Apr 01, 2011 Last Payment Date Apr 08, 2011 Terms: 0/M 30 60 90 #M
Opened Date Oct 21, 2010 Posted Date 0 0 0 7
Closed Date Apr 08, 2011 Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2011 0 0 1 0 6361 0 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Oct 01, 2010 Last Payment Date Oct 21, 2010 Terms: 0/M 30 60 90 #M
Opened Date Jan 22, 2010 Posted Date 0 0 0 10
Closed Date Oct 21, 2010 Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2010 0 0 1 0 4931 0 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Jan 01, 2010 Last Payment Date Jan 22, 2010 Terms: 0/M 30 60 90 #M
Opened Date Jun 13, 2008 Posted Date 0 0 0 20
Closed Date Jan 22, 2010 Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jan 2010 0 0 1 0 16189 0 0 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Jul 01, 2007 Last Payment Date Jul 01, 2007 Terms: 0/M 30 60 90 #M
Opened Date Feb 01, 2007 Posted Date 0 0 0 6
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jul 2007 0 0 1 0 19340 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Feb 01, 2007 Last Payment Date Feb 01, 2007 Terms: 0/M 30 60 90 #M
Opened Date Sep 01, 2006 Posted Date 0 0 0 6
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2007 0 0 1 0 14411 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Sep 01, 2006 Last Payment Date Sep 01, 2006 Terms: 0/M 30 60 90 #M
Opened Date Aug 01, 2005 Posted Date 0 0 0 14
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Sep 2006 0 0 1 0 11720 PD /
Legend: PD-Paid

End of Page 6 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
CITI FINANCIAL Payment History
Reported Date Aug 01, 2005 Last Payment Date Aug 01, 2005 Terms: 0/M 30 60 90 #M
Opened Date Feb 01, 2005 Posted Date 0 0 0 7
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Aug 2005 0 0 1 0 7278 PD /
Legend: PD-Paid

Creditor Name
CITI FINANCIAL Payment History
Reported Date Oct 31, 2003 Last Payment Date Oct 01, 2003 Terms: 0/M 30 60 90 #M
Opened Date Nov 01, 2000 Posted Date 0 0 0 36
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2003 0 0 1 0 3009 PD /
Legend: PD-Paid

Creditor Name
FEDERATION DES CAISSES DESJARDIN Payment History
Reported Date Jan 30, 2015 Last Payment Date Jan 01, 2015 Terms: 0/W 30 60 90 #M
Opened Date Jan 09, 2014 Posted Date Feb 04, 2015 0 0 0 12
Closed Date Charge Off Date Account INSTALLMENT / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jan 2015 0 0 1 0 24814 0 0 PD /
Legend: PD-Paid

Creditor Name
MASTERCARD BNC Payment History
Reported Date Apr 28, 2023 Last Payment Date Mar 21, 2023 Terms: 35/M 30 60 90 #M
Opened Date Jan 08, 2014 Posted Date May 01, 2023 0 0 0 111
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2023 977 60 0 1 35 4918 4900 0 0
Mar 2023 1014 40 0 1 36 4918 4900 0 0
Feb 2023 1033 60 0 1 37 4918 4900 0 0
Jan 2023 1069 40 0 1 38 4918 4900 0 0
Dec 2022 885 50 0 1 32 4918 4900 0 0
Nov 2022 914 40 0 1 33 4918 4900 0 0
Oct 2022 933 40 0 1 33 4918 4900 0 0
Sep 2022 954 40 0 1 34 4918 4900 0 0
Aug 2022 773 20 0 1 28 4918 4900 0 0
Jul 2022 377 20 0 1 12 4918 4900 0 0
Jun 2022 388 20 0 1 12 4918 4900 0 0
May 2022 200 0 0 1 10 4918 4900 0 0
Apr 2022 0 0 0 1 0 4918 4900 0 0
Mar 2022 0 0 0 1 0 4918 4900 0 0
Feb 2022 0 0 0 1 0 4918 4900 0 0
Jan 2022 0 35 0 1 0 4918 4900 0 0
Dec 2021 34 40 0 1 10 4918 4900 0 0
Nov 2021 73 40 0 1 10 4918 4900 0 0
Oct 2021 111 60 0 1 10 4918 4900 0 0
Sep 2021 168 20 0 1 10 4918 4900 0 0
Aug 2021 185 20 0 1 10 4918 4900 0 0
Jul 2021 201 0 0 1 10 4918 4900 0 0
Jun 2021 0 0 0 1 0 4918 4900 0 0
May 2021 0 0 0 1 0 4918 4900 0 0
Legend:

End of Page 7 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
MBNA (MASTERCARD) Payment History
Reported Date Feb 22, 2013 Last Payment Date Jun 18, 2012 Terms: 0/M 30 60 90 #M
Opened Date Apr 23, 2007 Posted Date Feb 23, 2013 0 0 0 71
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Feb 2013 0 0 0 1 0 6134 5000 0 0 CZ /
Legend: CZ-Closed at consumer's request

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Apr 28, 2023 Last Payment Date Mar 03, 2023 Terms: 49/M 30 60 90 #M
Opened Date Apr 23, 2018 Posted Date May 06, 2023 0 0 0 61
Closed Date Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2023 1384 0 1 49 5060 5000 0 0
Mar 2023 1348 0 1 48 5060 5000 0 0
Feb 2023 1385 0 1 49 5060 5000 0 0
Jan 2023 1431 0 1 51 5060 5000 0 0
Dec 2022 1600 0 1 127 5060 5000 0 0
Nov 2022 3687 0 1 130 5060 5000 0 0
Oct 2022 3757 0 1 132 5060 5000 0 0
Sep 2022 3830 0 1 135 5060 5000 0 0
Aug 2022 3702 0 1 130 5060 5000 0 0
Jul 2022 3761 0 1 113 5060 5000 0 0
Jun 2022 3614 0 1 109 5060 5000 0 0
May 2022 3653 0 1 110 5060 5000 0 0
Apr 2022 3743 0 1 113 5060 5000 0 0
Mar 2022 2756 0 1 83 5060 5000 0 0
Feb 2022 2184 0 1 66 5060 5000 0 0
Jan 2022 2048 0 1 62 5060 5000 0 0
Dec 2021 961 0 1 29 5060 5000 0 0
Nov 2021 985 0 1 30 5060 5000 0 0
Oct 2021 410 0 1 13 5060 5000 0 0
Sep 2021 482 0 1 15 5060 5000 0 0
Aug 2021 673 0 1 21 5060 5000 0 0
Jul 2021 202 0 1 10 5060 5000 0 0
Jun 2021 0 0 1 0 5060 5000 0 0
May 2021 0 0 1 0 5060 5000 0 0
Legend:

Creditor Name
SERVICES DE CARTES DESJARDINS Payment History
Reported Date Nov 30, 2015 Last Payment Date Oct 30, 2014 Terms: 0/M 30 60 90 #M
Opened Date Jun 16, 2003 Posted Date Dec 16, 2015 0 0 0 161
Closed Date Apr 21, 2010 Charge Off Date Account REVOLVING / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Nov 2015 0 0 1 0 1518 1500 0 0
Legend:

End of Page 8 Trans Union of Canada, Inc.

YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Creditor Name
VIRGIN PLUS Payment History
Reported Date Apr 30, 2023 Last Payment Date Apr 18, 2023 Terms: 0/M 30 60 90 #M
Opened Date Feb 29, 2020 Posted Date May 15, 2023 0 0 0 39
Closed Date Charge Off Date Account OPEN / INDIVIDUAL
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Apr 2023 75 75 0 1 0 300 0 0
Mar 2023 75 75 0 1 0 300 0 0
Feb 2023 75 75 0 1 0 300 0 0
Jan 2023 74 75 0 1 0 300 0 0
Dec 2022 74 70 0 1 0 300 0 0
Nov 2022 69 120 0 1 0 300 0 0
Oct 2022 113 80 0 1 0 300 0 0
Sep 2022 73 76 0 1 0 300 0 0
Aug 2022 74 75 0 1 0 300 0 0
Jul 2022 74 76 0 1 0 300 0 0
Jun 2022 75 86 0 1 0 300 0 0
May 2022 85 76 0 1 0 300 0 0
Apr 2022 76 300 0 1 0 300 0 0
Mar 2022 300 75 0 1 0 300 0 0
Feb 2022 75 107 0 1 0 111 0 0
Jan 2022 107 60 0 1 0 111 0 0
Dec 2021 59 111 0 1 0 111 0 0
Nov 2021 111 52 0 1 0 111 0 0
Oct 2021 52 51 0 1 0 102 0 0
Sep 2021 50 52 0 1 0 102 0 0
Aug 2021 50 52 0 1 0 102 0 0
Jul 2021 50 52 0 1 0 102 0 0
Jun 2021 50 55 0 1 0 102 0 0
May 2021 52 52 0 1 0 102 0 0
Legend:

Mortgage(s):
This section lists all the mortgages that have been reported by various institutions with which you have established a credit
relationship. This section will also display up to 24 months of payment history details, if reported.
Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Oct 31, 2019 Last Payment Date Oct 01, 2019 Terms: 0/W 30 60 90 #M
Opened Date Oct 12, 2016 Posted Date Nov 01, 2019 0 0 0 36
Closed Date Charge Off Date Account MORTGAGE
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2019 0 0 1 0 131820 0 0 PD /
Legend: PD-Paid
Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Oct 31, 2016 Last Payment Date Oct 01, 2016 Terms: 0/W 30 60 90 #M
Opened Date Jan 22, 2015 Posted Date Nov 02, 2016 0 0 0 21
Closed Date Charge Off Date Account MORTGAGE
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Oct 2016 0 0 1 0 131820 0 0 PD /
Legend: PD-Paid
Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Jan 30, 2015 Last Payment Date Jan 01, 2015 Terms: 0/W 30 60 90 #M
Opened Date Sep 18, 2014 Posted Date Feb 04, 2015 0 0 0 4
Closed Date Charge Off Date Account MORTGAGE
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Jan 2015 0 0 1 0 108000 0 0 PD /
Legend: PD-Paid

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Creditor Name
C.P. THETFORD MINES Payment History
Reported Date Sep 30, 2014 Last Payment Date Sep 01, 2014 Terms: 0/W 30 60 90 #M
Opened Date Aug 28, 2013 Posted Date Oct 02, 2014 0 0 0 12
Closed Date Charge Off Date Account MORTGAGE
First Delinquency Date Balloon Payment Date Type:
Balloon Narrative
Date Balance Payment Past Due MOP Terms High Credit Credit Limit Charge Off
Payment 1/2
Sep 2014 0 0 1 0 48000 0 0 PD /
Legend: PD-Paid

Insolvency:
This section lists bankruptcies and proposals in bankruptcy (consumer proposals) maintained on your file in compliance with
provincial regulations.
Credit Related Inquiries:
When you apply for credit, companies may request your consent to access your credit report to assist in their decision. Each time
they request your report for credit-related purposes, an inquiry is listed on your file. These inquiries will be disclosed to other
companies viewing your credit file and may impact your credit score.

Date Authorized User's Name Telephone

Dec 26, 2020 ROGERS COMMUNICATIONS CANADA INC 8002672070
Nov 25, 2017 ROGERS COMMUNICATIONS CANADA INC 8002672070
Jun 09, 2017 CANADIAN TIRE BANK 9057353131
Oct 29, 2014 SERVICES DE CARTES DESJARDINS /G 8888750444
Nov 08, 2007 CANADIAN TIRE BANK 9057353131
Apr 23, 2007 MBNA 8888716262

Non-Credit Related Inquiries and Account Review Inquiries

Non-credit related inquiries and account review inquiries, as well as your own requests to view your credit file, have no impact on
your credit score. Companies may, with consent or as authorized by law, access all or part of your credit information before
completing a transaction or entering into a relationship with you for purposes other than credit (non-credit related inquiries) and/or
to periodically review your credit file after establishing a relationship with you (account review inquiries). Companies perform
non-credit related and account review inquiries for such things as verifying your identity, collecting on a debt, employment or
tenancy screening, insurance underwriting, fraud detection, meeting regulatory requirements, account renewals, limit changes,
monitoring or for products and services offerings.

Non-credit related and account review inquiries may be used (without disclosing the details of such inquiries) by TransUnion to
provide fraud detection and monitoring, identity verification, alerts and analytical services to our customers and may be disclosed
to deliver products that you have requested through a direct-to-consumer reseller.

Non-Credit Related Inquiries:

Date Authorized User's Name Telephone
May 18, 2023 TRANSUNION CREDIT MONITORING 8057828282
May 18, 2023 TRANSUNION CREDIT PROFILE 8057828282
May 18, 2023 ONLINE CONSUMER DISCLOSURE 8006639980
Jan 30, 2023 GB GROUP/ HILLSIDE NEW MEDIA 1293897557
Apr 27, 2021 CDN SHAREOWNER OBO WEALTHSIMPLE 4168489405
Feb 17, 2021 ONLINE CONSUMER DISCLOSURE AUTH. 8006639980
Dec 26, 2020 CREDIT KARMA CANADA 8009603856
Dec 23, 2020 ONLINE CONSUMER DISCLOSURE AUTH. 8006639980

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Date Authorized User's Name Telephone

Jul 23, 2020 TU CREDIT PROFILE-CREDIT ALERT 8057828282
May 20, 2020 CREDIT KARMA CANADA 8009603856
May 07, 2019 CANADIAN TIRE BANK 8774995911
Feb 24, 2019 TU CREDIT PROFILE-CREDIT ALERT 8057828282
Feb 24, 2019 CREDIT KARMA CANADA 8009603856
Feb 24, 2019 CREDIT KARMA_AUTHENTICATION 8009603856

Account Review Inquiries:

Date Authorized User's Name Telephone
May 16, 2023 DESJARDINS 8883135394
May 02, 2023 CANADIAN TIRE BANK 9057353131
Apr 13, 2023 DESJARDINS 8883135394
Apr 01, 2023 CANADIAN TIRE BANK 9057353131
Mar 2023 CANADIAN TIRE BANK 9057353131
Mar 2023 CIBC 8004652422
Mar 2023 DESJARDINS 8883135394
Mar 02, 2023 CANADIAN TIRE BANK 9057353131
Feb 23, 2023 CIBC 8004652422
Feb 02, 2023 CANADIAN TIRE BANK 9057353131
Jan 19, 2023 DESJARDINS 8883135394
Jan 05, 2023 CIBC 8004652422
Dec 2022 CANADIAN TIRE BANK 9057353131
Dec 06, 2022 CIBC 8004652422
Dec 2022 DESJARDINS 8883135394
Dec 04, 2022 CIBC 8004652422
Dec 2022 CANADIAN TIRE BANK 9057353131
Nov 09, 2022 CIBC 8004652422
Nov 01, 2022 CANADIAN TIRE BANK 9057353131
Oct 31, 2022 CIBC 8004652422
Oct 28, 2022 DESJARDINS 8883135394
Oct 2022 CIBC 8004652422
Oct 01, 2022 CANADIAN TIRE BANK 9057353131
Sep 22, 2022 DESJARDINS 8883135394
Sep 2022 CANADIAN TIRE BANK 9057353131
Sep 01, 2022 CANADIAN TIRE BANK 9057353131
Aug 24, 2022 DESJARDINS 8883135394
Aug 02, 2022 CANADIAN TIRE BANK 9057353131
Jul 15, 2022 DESJARDINS 8883135394
Jul 02, 2022 CANADIAN TIRE BANK 9057353131
Jun 15, 2022 DESJARDINS 8883135394
Jun 10, 2022 CANADIAN TIRE BANK 9057353131
Jun 02, 2022 CANADIAN TIRE BANK 9057353131
Jun 2022 CIBC 8004652422
May 31, 2022 CIBC 8004652422
May 25, 2022 CIBC 8004652422
May 19, 2022 DESJARDINS 8883135394
May 04, 2022 DESJARDINS 8883135394
Apr 19, 2022 DESJARDINS 8883135394
Apr 2022 CANADIAN TIRE BANK 9057353131
Mar 21, 2022 DESJARDINS 8883135394
Mar 2022 CANADIAN TIRE BANK 9057353131
Mar 2022 CIBC 8004652422
Mar 01, 2022 CANADIAN TIRE BANK 9057353131
Feb 17, 2022 DESJARDINS 8883135394
Jan 20, 2022 DESJARDINS 8883135394
Jan 12, 2022 DESJARDINS 8883135394
Jan 01, 2022 CANADIAN TIRE BANK 9057353131
Dec 20, 2021 DESJARDINS 8883135394

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Date Authorized User's Name Telephone

Dec 2021 CANADIAN TIRE BANK 9057353131
Dec 2021 CIBC 8004652422
Dec 02, 2021 CANADIAN TIRE BANK 9057353131
Nov 23, 2021 DESJARDINS 8883135394
Nov 02, 2021 CANADIAN TIRE BANK 9057353131
Oct 22, 2021 DESJARDINS 8883135394
Oct 02, 2021 CANADIAN TIRE BANK 9057353131
Sep 17, 2021 CIBC 8004652422
Sep 16, 2021 DESJARDINS 8883135394
Sep 2021 CANADIAN TIRE BANK 9057353131
Sep 02, 2021 CANADIAN TIRE BANK 9057353131
Aug 2021 DESJARDINS 8883135394
Jul 16, 2021 CIBC 8004652422
Jul 2021 CANADIAN TIRE BANK 9057353131
Jun 23, 2021 DESJARDINS 8883135394
Jun 2021 CANADIAN TIRE BANK 9057353131
Jun 01, 2021 CANADIAN TIRE BANK 9057353131
May 24, 2021 DESJARDINS 8883135394
*** This completes the report for YVES QUIRION ***

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TransUnion CreditVision® Risk Score: 704 (as of May 18, 2023. Based on CreditVision® Risk Score.)
These are some of the factors impacting your TransUnion CreditVision Risk score. Based on credit report data this credit score is a
depiction of an individual’s credit risk at a point in time. There are several factors taken into account that help determine your
credit score. The factors making the largest impact are listed below. Remember that these factors vary in how strongly they impact
your credit score.

Score Factors
No open mortgage account

A healthy balance of credit and loan accounts key to achieving a high credit score. It is important to build a record of responsible
credit use over time with different types of accounts. Consider opening a new account to strengthen your credit report and improve
your score.

Balance increase on non-mortgage account

High levels of debt can signal to potential lenders that you are spending more than you can afford. It is a good idea to use your
credit cards regularly but remember to keep your balances below 35 percent of your available credit limits. If you have balances
above 35-50 percent, you could see your credit score start to drop.

Balance on open credit card account

High levels of debt can signal to potential lenders that you are spending more than you can afford. It is a good idea to use your
credit cards regularly but remember to keep your balances below 35 percent of your available credit limits. If you have balances
above 35-50 percent, you could see your credit score start to drop.

Presence of inquiry

When lenders review your credit report for the purpose of an application, a hard inquiry is placed on the credit report they checked.
A few inquiries a year is normal, but may cause a temporary drop in your credit score. If you have many recent inquiries, lenders
may assume that you are having financial problems. Avoid unnecessary inquiries by only applying for credit cards or loans that
you are sure you want.

Additional Information

The TransUnion CreditVision® Risk Score is provided to help you better understand how lenders view your credit report. It is not
an endorsement or a determination of your qualification for a loan. Lenders use credit scores to help determine whether or not you
are a good candidate for a loan and what interest rate you will pay. However, each lender has specific underwriting standards, so
you should not assume that you will receive the same evaluation from each lender. As part of the underwriting process, they will
incorporate additional information you provide and may obtain references and use different scores. In addition, even if you are
approved, the terms and conditions of loans vary from lender to lender. The information used to determine your CreditVision®
credit score comes from TransUnion. Credit reports are a compilation of credit information that is reported to TransUnion by the
various lending institutions with which you have accounts as well as other sources. The information contained in your report
reflects the latest information provided to TransUnion. If you recently made a payment, opened a new account, or authorized an
inquiry, it may not yet be reflected in your TransUnion credit report. Likewise, if the information is not included in your
TransUnion report it will not be reflected in your credit score based on such report. Your credit score will change each time new
information is captured in your TransUnion credit report. The TransUnion CreditVision® Risk Score is not connected in any way
with Fair, Isaac and Company; the credit scores provided here are not so-called FICO scores. The credit industry uses various
types of credit scores and the TransUnion CreditVision® Risk Score may not be identical in every respect to any consumer credit
scores produced by any other company.
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YVES QUIRION , V2521032 Thursday 18 May 2023 10:22

Need to dispute information found on your Consumer Disclosure?

You can dispute credit information and update personal information on your consumer disclosure in several ways:

Online at http://ocs.transunion.ca
Our quick and easy online access allows you to view your consumer disclosure and dispute items you believe to be inaccurate.
Visit us online at http://ocs.transunion.ca and select "Dispute Information" from the menu.

Alternative methods
PHONE
We're here to help. Our TransUnion representatives are available to assist you with the dispute process. If you recently applied for
credit or received a copy of your TransUnion Consumer Disclosure and you believe there is an inaccuracy, simply call:

English speakers in all provinces except Quebec: Toll-free 1-800-663-9980

French speakers in all provinces and English speakers in Quebec: Toll-free 1-877-713-3393

Our Consumer Relations Department is available to assist you Monday through Friday, 8 a.m.-8 p.m. Eastern Time, excluding
major holidays. In Quebec, hours of operation are Monday through Friday, 8:30 a.m.-5 p.m. ET.

MAIL
If you prefer to send your dispute by mail, simply complete the investigation request form on the following page.

Note
Our goal is to maintain accurate information on your TransUnion credit report. By law, we're required to verify the information on
a credit report you dispute. If you don't recognize information on your credit report, or believe an item may be inaccurate, you may
request an investigation. Only inaccurate information may be removed; negative information that's accurate will stay on your
credit report as long as the governing laws allow. Changes on your credit report that occur as the result of an investigation will be
made on both your consumer disclosure and credit report.

You should know there's more than one credit bureau in Canada. A credit file containing information about your credit and
financial history may also be maintained by other credit bureaus, and we encourage you to contact them in order to review any
credit file that may contain information relating to you.

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CONSUMER RELATIONS CENTRE TU Case ID V2521032

3115 Harvester Road, Suite 201 Contact Information
Burlington Ontario Telephone: 1-800-663-9980
L7N 3N8 www.transunion.ca

Authentication Reference 12345

INVESTIGATION REQUEST FORM

Please Note: This form is only to be returned to TransUnion if you wish to dispute information on your
credit file.
The following information is gathered to assist in verifying your dispute. Please ensure to supply the
required information and complete the authorization on the back of the form.
Consumer's Name Social Insurance Number (Optional)
QUIRION YVES
Last First Middle Jr/Sr
Current Address Previous Address
1356 RTE 269,
269-1136 RTE 269,
Number & Street
Number & Street
SACRE-COEUR-DE-M QC G0N 1W0
ST-METHODE-DE-FR QC G0N 1S0 Apartment City Prov/Postal
Apartment City Prov/Postal
Would you like your investigation notification
Date of Birth Emailed or Mailed
Feb 27, 1968
Email Address
If any of the personal information supplied
Employment (optional)
on this form is not listed in my credit file, I
BONNEVILLE PORTER AND FENETRES
request that it be incorporated into
TransUnion's file Yes
Home Phone (optional) No
(418)-337-6488

Signature of Consumer (required) Date

IF YOU DISAGREE WITH ACCURACY OR COMPLETENESS OF YOUR INFORMATION, PLEASE NOTE BELOW. USE
ADDITIONAL PAPER IF NECESSARY, ENSURING THAT EACH ADDITIONAL PAGE CONTAINS YOUR SIGNATURE.
Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

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Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

Company Name: Company Name:

Account #: Account #:

No Knowledge of this Account Paid in Full No Knowledge of this Account Paid in Full
Included in Bankruptcy Included in Bankruptcy
Paid Before Collection/Write off Paid Before Collection/Write off
Account Not Reporting Account Not Reporting

Other: Other:

ADDITIONAL COMMENTS

To investigate your dispute we will contact the source of the disputed information by phone and/or fax. Each source will
be advised as to the nature of your dispute and will be requested to verify the accuracy and/or the completeness of the
information they reported. If our investigation does not resolve your dispute you may add an explanation statement to
your report. All provinces allow a statement added of up to 100 words, except Saskatchewan - 200 words. If you would
like to add a statement, please print the statement on a separate sheet of paper and attach it to this form.
**RETURN THIS FORM TO THE ADDRESS LISTED AT THE TOP OF YOUR REPORT**
If your credit report changes after our investigation, or if a consumer statement is added, an amended report will be sent according
to provincial guidelines to companies in receipt of your credit file. We recommend that you do not apply for credit while your
dispute is pending.
I HAVE READ AND UNDERSTOOD THE ABOVE STATEMENTS AND HAVE PROVIDED INFORMATION THAT
IS, TO THE BEST OF MY KNOWLEDGE, TRUE AND ACCURATE. I AUTHORIZE YOU TO FOLLOW THE
PROCEDURES OUTLINED ABOVE IN AN ATTEMPT TO VERIFY THE INFORMATION THAT I AM DISPUTING.

Signature Date

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