Ordering your credit report

From Financial Consumer Agency of Canada

Get a free credit report

Order a copy of your credit report from both Equifax Canada and TransUnion Canada. Each credit bureau may have different information about how you have used credit in the past. Ordering your own credit report has no effect on your credit score.

Equifax Canada refers to your credit report as “credit file disclosure”.

TransUnion Canada refers to your credit report as “consumer disclosure”.

Order by mail or fax

  • Make your request in writing using the forms provided by Equifax and TransUnion
  • Provide copies of two pieces of acceptable identification, such as a driver's licence or passport
  • You must receive your credit report by mail

Order by telephone

  • Call the credit bureau and follow the instructions
    • Equifax Canada
      Tel: 1-800-465-7166
    • TransUnion Canada
      Tel: 1-800-663-9980 (except Quebec)
      Tel: 1-877-713-3393 (Quebec residents)
  • Confirm your identity by answering a series of personal and financial questions
  • You may also need to provide your Social Insurance Number and/or a credit card number to confirm your identity
  • You must receive your credit report by mail

Get a credit report online

You may pay a fee to order your credit report online if you want to see it right away. You usually need to pay a fee when you order your credit score online.

Be wary of organizations that offer free credit scores. To get the “free” score, you may have to sign up for a paid service. Fraudsters may also offer free credit scores in an attempt to get you to share your personal and financial information.

Get your credit score

If you want to know your credit score, you'll have to order it online. You usually have to pay a fee.

A lender will use your credit score to determine if they will lend you money and how much interest they will charge you to borrow it. Your credit score is a three-digit number calculated from the information in your credit report. It shows the risk you represent to a lender compared to other consumers.

Knowing your credit score before a major purchase, such as a car or a home, may help you to negotiate lower interest rates.

How often you should check your credit report

Consider requesting your report from one bureau, then wait six months before you order from the other bureau. By spacing out your requests, you may be able to detect problems sooner.

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