How to get your your free credit report? (Canada)

As a Canadian, your credit file must be disclosed to you free of charge. This is important to you allow you to dispute any false information. The two credit agencies in Canada are TransUnion and Equifax.

What is on your credit report? Unfortunately, not your credit score. It is mainly the credit history of your credit accounts and inquiries.

Why is credit important? It affects the interest rate a lender will lend to you. A smaller rate will save you thousands especially over your life. Even if you have a lot of cash, you may still want to borrow or have readily available credit as a safety net and to leverage. Common household credit are credit cards, mortgages, and line of credit.


To receive a free copy of your credit report, mail the following information to the below addresses:

• Your full name
• Present address
• Previous address, if present address is less than 2 years
• Date of Birth
• Your signature 
• Photocopy of the front and back of 2 pieces of identification (acceptable identification include driver's license, birth certificate, passport and/or credit cards)

TransUnion
Mail the above information to:

TransUnion Canada

Consumer Relations Centre

P.O. Box 338, LCD 1

Hamilton, ON

L8L 7W2

Or write to for Quebec:

TransUnion Canada Centre de relations aux consommateurs

1 Place Laval, suite 370

Laval, QC

H7N 1A1

Equifax
Mail the form here and identification to:

National Consumer Relations;
P. O. Box 190, Station Jean-Talon
Montreal, Quebec  H1S 2Z2


Or fax to:
514-355-8502