Getting your credit report and credit score
Learn how to get your credit report and credit score from Canada’s 2 main credit bureaus. Checking your credit report or score won’t affect your credit rating.
Get your credit report online
Your credit report is a summary of how you’ve used credit in the past.
Learn more about your credit report and how it works.
You can access your credit report online for free from Canada’s 2 main credit bureaus:
- Equifax
- TransUnion
Both credit bureaus allow you to:
- download or print your credit report
- see information updated every month
Access your free Equifax credit report.
Access your free TransUnion credit report (called Consumer Disclosure).
Other companies may also offer free credit reports.
Get your credit report by mail
You may request that Equifax and TransUnion mail you a free copy of your credit report.
Here’s how to request it:
- by form: fill out the request form and mail it with photocopies of 2 valid pieces of identification
- by phone: call the credit bureau, answer identity questions and follow the instructions
- Equifax Canada: 1-800-465-7166
- TransUnion Canada: 1-800-663-9980
Get your credit report in person
In some provinces or territories, you can request your free credit report at an Equifax or TransUnion office. Bring at least 2 valid pieces of identification.
Request your Equifax credit report in person.
Request your TransUnion credit report in person.
Get your credit score
Your credit score is a number that shows how likely you are to repay a loan. It also shows how you manage credit. It comes from the information on your credit report.
Learn more about your credit score and how it’s used.
Credit bureaus update your credit score at least once per month. You may access your credit score online from Canada’s 2 main credit bureaus:
- Equifax: free in all provinces and territories
- TransUnion: free if you live in Quebec or Ontario (as part of your Consumer Disclosure)
Access your Equifax credit score.
Access your TransUnion credit score.
You may also request a non-electronic credit score from Equifax for free (for example, by phone or by mail). If you live in Quebec or Ontario, you may also request it from TransUnion. You’ll need to provide required identification documents.
Other companies may also offer your credit score for free. Some may ask you to sign up for a paid service to get your score.
Some Federally Regulated Financial Institutions may also provide free credit scores through their banking app.
Protect your information
Fraudsters may pretend to offer free credit reports or credit scores to steal your personal and financial information.
Before you give a company your personal or financial information to get your credit report or credit score:
- research the company to make sure it’s legitimate
- carefully read their terms of use and privacy policy
- check how they’ll store and use your information
- find out if they’ll sell your data to third parties
Some business may collect and sell your personal information to a third party. If they do, you might receive unexpected offers for products and services.
Always check that a website is secure before providing any of your personal information. A secure website will start with “https” instead of “http”.