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How Do I Get My Free Credit Report Online?

How Do I Get My Free Credit Report Online

Want to check your credit report for free and without any hassles? In this blog, we have tried to help you with multiple ways to achieve that.

What is credit monitoring?

If you are someone who is concerned about fraud or identity theft or have been a victim of data breach, this is a service that could help you identify whether someone is applying in your name. Basically, credit monitoring is a financial service in which the agency keeps watch on your financial activities to look out for signs of any unauthorized activity taking place.

Usually, Canada’s credit bureaus, as well as many credit card issuers and financial institutions, offer credit monitoring services. These services provide you with a notification after certain updates to your credit file, such as a credit inquiry.

What is a credit score?

A credit score is a three-digit number between 300 and 900 that serves as a snapshot of your creditworthiness i.e., the level of risk a lender has to assume when they lend you money.

In general, credit scores may be ranked as follows:

  • 760 – 900 → Excellent
  • 725 – 759 → Very Good
  • 660 – 724 → Good
  • 560 – 659 → Fair
  • 300 – 559 → Poor

A very good to excellent credit score means that you can qualify for the best rates on loans, mortgages, lines of credit, and other financial products.

How to get a free credit report?

You can order a copy of your credit report from Equifax Canada and / or TransUnion Canada as each credit bureau may have different information about how you have used credit in the past. Note that ordering your own credit report has no effect on your credit score.

Also, it would be worthwhile noting that- Equifax Canada refers to your credit report as “credit file disclosure” whereas TransUnion Canada refers to your credit report as “consumer disclosure”.

Three ways in which you can request a free copy of your Equifax credit report are:

  • By phone
  • By mail
  • In person

Submit your request by phone:

Follow the steps below to request your credit report free of charge by phone

  1. 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)

  1. Confirm your identity by answering a series of personal and financial questions
  2. You may also need to provide your Social Insurance Number and/or a credit card number to confirm your identity
  3. You must receive your credit report by mail.

Submit your request by mail:

Firstly, you’ll need to download and complete the Canadian Credit Report Request Form. Make your request in writing using this form.

Provide two pieces of valid, non-expired Canadian Government-issued identification. At least one of the two IDs must include your current home address. Examples of acceptable documentation include:

  • Driver’s license
  • Canadian passport
  • Canadian citizenship card
  • Permanent resident card
  • Social Insurance card
  • Birth certificate
  • Certificate of Indian Status

After you submit your completed form and proof of identity by mail to:

     Equifax Canada Co.

     National Consumer Relations

     Box 190

     Montreal, Quebec H1S 2Z2

You must receive your credit report by mail (Kindly allow 5 – 10 days for delivery).

Submitting your request in person:

Equifax has four office locations where you can request a free copy of your Equifax credit report in-person and receive a printed copy of your credit report after your identity is confirmed. Copies of the request form you will need to complete are available onsite.

You need to bring with you at least two forms of identification, including 1 photo identification and proof of current address. Also, you must provide the original copies of your chosen identification – photocopies and electronic versions are not accepted at the office. Examples of acceptable documentation include:

  • Photo Identification (must be valid and current. Expired identification is not accepted):
  • Driver’s License
  • Provincial Photo Card (where applicable)
  • Canadian Passport
  • Canadian Citizenship Card
  • Permanent Resident Card
  • Nexus Card
  • Canadian National Institute of the Blind (CNIB) Card
  • Certificate of Indian Status issued by the Government of Canada
  • Proof of Address (must be less than 90 days old and received by mail)
  • Bank Statements
  • Bank Issued Auto Insurance Statements
  • Notice of Assessments (Government)
  • Credit Card Statements
  • RRSP
  • Utility Bills (e.g. Gas, Phone, Electricity or Cable, etc.)
  • Acceptable Supporting IDs:
  • Birth Certificate Issued in Canada
  • T4 slip (some exceptions apply)
  • Citizenship and Immigration Canada Document IMM1000 or IMM1442
  • Social Insurance Number (S.I.N.) Card issued by Canadian Government
  • Certificate of Naturalization

Providing your Social Insurance Number (S.I.N.) is optional. If you provide your S.I.N., we will cross-reference it with our records to help ensure that we disclose the correct information to you. We will not use it for any other purpose or share it with any third party.

Correct an Inaccuracy on Your Equifax Credit Report

If you find any information that you believe is inaccurate, incomplete or a result of fraud, you have the right to file a dispute with Equifax Canada. You will need to complete the Credit Report Update form enclosed with your package. You can also review how to dispute information on your credit report for additional details on the Equifax dispute process.

Did you know that it is also possible to get your credit report from companies that offer these free services and that too for free! Gone are the days when you had to pay $20 to get your credit score. Of course, these are other primary services that they offer like credit cards or personal loans but you are not under any obligation to subscribe to their offerings if you need just your credit report.

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