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How can I check my credit history and score?
There are many ways to order your credit report, such as by mail, phone, in person or online. Credit reports are generally free unless you order them online.
Print and fill out an application form below and mail it to the appropriate credit-reporting agency. Include a copy of 2 pieces of identification, such as a driver's license, utility bill, bank account statement. Together these combined pieces must have your name, current address, date of birth and signature. You will receive a report in the mail in about 2 weeks.
Call the number below and follow the instructions. You will be asked to provide your Social Insurance Number or credit card number. You will receive a report in the mail in about 2 weeks.
- Equifax 1-800-465-7166
- TransUnion 1-800-663-9980
TransUnion offers the possibility of submitting a credit report request in person. Go to the office below (this is the only office in Ontario) and fill out the application form they give you. Bring 2 pieces of identification, such as a driver's license, utility bill, bank account statement. Together these combined pieces must have your name, current address, date of birth and signature.
709 Main Street West 3115 Harvester Road, Suite 201
This method is the fastest because you will receive your credit report online within a few minutes. However, you must pay a fee.
What do I do if there is an error in my credit report?
Contact the credit reporting agency (Equifax or TransUnion) and your financial institution immediately. You can also contact the Financial Consumer Agency of Canada for more information and help.
For More Information
- Identity Theft - Information about identify theft and a list of agencies that can help you. From Consumer Protection Ontario.
- Check Your Credit Report - Explains how to get a credit report and what is in your credit history. From GetSmarterAboutMoney.Ca.
- Understanding Credit - How credit cards work and how to use credit wisely. From the Canadian Bankers Association.
July 11, 2023