Consumer Disclosure - Your FREE Credit Report in Canada

The Canadian consumer is responsible for the information contained in their credit report. This information is your complete financial history in the eyes of banks, lenders, and other financial and credit institutions.

As a consumer it is your right under the law to review your credit report and check the entries for accuracy.

There are may ways to obtain your credit report and often times we find that our clients are under the impression that they have to pay to obtain a copy of their credit report and the information it contains. We have news for you! The Government of Canada made a free credit report available to every consumer in Canada, in addition you can review your credit report from any or all 3 credit bureaus in Canada once per year at ABSOLUTELY NO COST to you.

Credit Bureaus in Canada

Note: Clicking the below links will open the page in a new browser window/tab

Canadian Credit Bureau -->Website Link(s) Notes
Trans Union of Canada Main Page
In-Person
By-Mail
Trans Union of Canada provides instructions on obtaining your Consumer Disclosure credit report on the bottom of their website front page. They have 2 methods for you to obtain a copy of your credit report: in person or by walking into one of their provincial offices. Please click the link to the left and explore their locations and see if one is close to you, otherwise you can download their by-mail request form, fill it out and return it to them to obtain a copy of your report free of charge within 5-7 business days.
Equifax Canada Main Page Equifax has a printable application form to download and return to them with copies of your Identification to request your Consumer Disclosure free credit report - click the link to the left and at the bottom center of the page under "other credit products" you will find a link to your free credit report.
Northern Credit Bureau Northern Credit Bureau was "bought out" by Experian in the U.S. and ceased credit reporting and warehousing operations in Canada in March 2009. Pending any un-resolved disputes the credit bureau data was slated for secure destruction. There are now only 2 bureaus in Canada to get your credit information from.

If you have any difficulty obtaining a copy of your credit report through the above methods, please contact us for other options that may be available to you to obtain your credit report in Canada.

Once you have received a copy of your credit report:
  • Review it for accuracy.
    • There are methods for you to dispute information that your report contains.
    • Is any of the information inaccurate?
    • Are there listings that are completely out of date?
  • It's important to note that Computers, and the people who operate them, make mistakes. Companies are updating 1000's to 100's of thousands of accounts monthly with the bureaus in large upload files. It's always a possibility that something could have gone wrong and your information was not updated correctly.

It is recommended that you review your credit report at least once per year for accuracy in an effort to not only be aware of the information that is on your report but also to see your financial position in the same way that your bank or potential lender sees you.

If you have difficulty understanding your credit report please do not hesitate to give us a call. We have licensed and bonded debt negotiation experts that will be able to spot for you items that could have been the cause of you being declined credit, or ways that you could improve your standing in the credit community.

We hope that you have found this information useful, if you would like to see additional information in this or any other section of the website, please contact us and we will do our best to educate you in the financial/debt topic of your choice.

For a list of all our services please see our Services Page or Contact Us.

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