Actually 5%. What's the highest credit score possible? Find out at:
http://www.fcac-acfc.gc.ca/eng/publications/CreditReportScore/CreditHistory_e.asp
The Financial Consumer Agency of Canada has a really excellent 9 page synopsis of how credit works. Included is a province by province breakdown of the reporting periods of Equifax and TransUnion for various types of transactions such as judgements and delinquent accounts. Also included, among much else, is a breakdown of what goes into a credit score such as FICO's and what it takes to get and maintain a good one.
Really, a must read.
Ray