How to Get Your Credit Report

There are two ways you can obtain your credit report:

Online:
Simply visit the websites of either Equifax or Trans Union and follow the easy steps to purchase your report.

By Mail:
To receive a free physical copy of your credit report, you will need to mail or fax a request to Equifax or Trans Union. You will need to include photocopies of two pieces of government-issued identification (like a driver’s licence, health card, birth certificate or passport) that shows your current home address. If your address has recently changed and hasn’t been updated on your government-issued identification yet, you will need to include a piece of mail, like a bill or credit card statement. This document will need to visibly show the date of the statement, who the sender is, as well as your name, address and account number. Please note that you may blackout any transaction detail on your bill or statement as long as the other required information is clearly visible.

We recommend that you avoid using your social insurance number when requesting your credit report. This will help protect your privacy and reduce the potential for identity theft. You should also keep in mind that the information you provide is available to the credit reporting agency’s customers.

Please note that requesting your credit report is different than requesting your credit score at Equifax Credit Score which is different than the FICO Score. Requesting your credit report involves a charge to obtain it.