![]() ![]() How often you should check your credit reportĬonsider getting your credit report from one bureau, then wait six months before requesting it from the other bureau. Some institutions may offer it for free under certain conditions. You usually need to pay for these services. This can help you see if somebody is trying to apply for credit in your name. You could consider using this service if you think you’ve been the victim of fraud or if you’ve been affected by a data breach. ![]() What is credit monitoringĬanada’s credit bureaus, as well as many credit card issuers and financial institutions, offer credit monitoring services. These services will notify you after certain updates have been made to your credit report and credit score, such as a credit inquiry. ![]() A secured website will start with “https” instead of “http”. Fraudsters may also offer free credit reports or credit scores to get you to share your personal and financial information.Īlways check to see if a website is secured before providing any of your personal information. This could result in you receiving unexpected offers for products and services. Carefully read the terms of use and privacy policy to know how your information will be used and stored.įor example, find out if your information will be sold to a third party. Make sure you do your research before providing a company with your personal information. Protect yourself when getting your credit report or score Some may ask you to sign up for a paid service to get your score. Other companies may also offer to provide your credit score for free. If you live in Quebec, you can also access your credit score from TransUnion online for free. Your credit score from Equifax is accessible online for free and is updated monthly. You can access your credit score online from Canada’s 2 main credit bureaus. Learn more about how your credit score is calculated. It shows how risky it would be for a lender to lend you money. Your credit score comes from the information in your credit report. Learn more about requesting your free TransUnion credit report in person. Learn more about requesting your free Equifax credit report in person. You’ll need to visit one of their locations and bring at least 2 pieces of identification. Get your credit report in personīoth credit bureaus allow you to request your free credit report in person. You may also need to provide your Social Insurance Number and/or a credit card number to confirm your identity. You will need to confirm your identity by answering a series of personal and financial questions. Call the credit bureau and follow the instructions. Order by phoneĮquifax allows you to request your free credit report by phone. You will need to provide copies of two pieces of acceptable identification, such as a driver's licence or passport. ![]() Make your request using the forms provided by the two credit bureaus. Get your credit report by mail Order onlineĮquifax allows you to request your credit report online for postal delivery. TransUnion allows you to access and download your credit report (called Consumer Disclosure) online and updates it monthly.Īccess your free TransUnion credit report (Consumer Disclosure). Other companies may also offer to provide your credit report for free.Įquifax allows you to access your credit report online and updates it monthly. Accessing your credit report online allows you to see it right away. You can access your credit report online for free from Equifax and TransUnion. Learn more about credit report and score basics. Requesting your own credit report has no effect on your credit score. Credit bureaus in Canada may collect different information about how you’ve used credit in the past. ![]()
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