When you hold a credit product with CIBC, like a credit card, loan, line of credit or mortgage, or a deposit account with overdraft protection, or hold or withdrawal limits, we will exchange information about you with credit bureaus on an ongoing basis for as long as you hold the product and for a reasonable time afterwards. This may include information about your current and past credit accounts such as type, amount, payment history, collections actions, legal proceedings or other information that the credit bureau has collected from your other lenders. We may collect, use and share this information to verify your creditworthiness, assess and manage our credit risks, establish credit and hold limits, qualify you for other products and services, and detect and prevent fraud. We may also periodically update your information with credit bureaus to help maintain the integrity of the credit-reporting system. For details, refer to Credit Bureau Checks.