You can order your credit report from the credit reporting agencies in Canada: Equifax and TransUnion. It is recommended that you obtain a copy of your credit report from both Equifax and TransUnion, as they may have different information about you in their files. This is also a great way to detect errors and correct them. Consider requesting your report at least once a year so you know your status.

Methods of Obtaining a Credit Report

You can obtain your credit report for FREE by ordering via mail, fax, phone or in person and receive it in the mail or in person. To access your report online you will be asked to pay a fee.
Your credit score is NOT included in the free credit report. For an additional fee you can get your credit score within your credit report.
We will outline the different ways of obtaining a credit report below.

By Mail or Fax:
Equifax: You can  download the Credit Request form on Equifax’s website to obtain a credit report. You will be asked to provide two copies of acceptable identification, outlined in the link above. You have the option of providing credit card information on the form to purchase your credit score.

TransUnion: You can download the consumer disclosure form on TransUnion’s website to obtain a credit report. Provide two copies of acceptable identification. See the list here.

By Telephone:
Equifax: Call the agency at 1-800-465-7166 and follow the automated prompts.

TransUnion: Call the agency at 1-800-663-9980 and follow the automated prompts.

  • For both credit bureaus, you will be asked a series of questions to confirm your identity. You will need to provide your Social Insurance Number (SIN) and/or a credit card number
  • You have the option of paying an additional fee for your credit score, which is not included in the FREE credit report.

In Person:
Equifax: The head office is in Montreal, Quebec. This option is not plausible for most students; consider other options of obtaining a credit report.

Consumer Relations
3115 Harvester Road, Suite 201
Burlington, ON L7N 3N8
Open Monday to Friday, 9:00 a.m. – 4:30 p.m.

Provide two copies of acceptable identification. See the list here.

  • You have the option of paying an additional fee for your credit score, which is not included in the FREE credit report.


  • There is a fee for obtaining your credit report and credit score online. You will need credit card information to obtain your report and/or score.

Equifax: Visit the homepage here. At the bottom left hand side of the page, click “Get Started” to begin filling out your information to obtain a Credit Report/Score.
TransUnion: Visit the homepage here. Click on “Click Here” (orange button) to obtain your Credit Score/Report. There is a monthly subscription cost for this service that you can cancel at any time. Please read the details on the website prior to paying online.

Q and A

Q: How do I know when to report mistakes on my credit report?
A: If you do not recognize information on your credit report (an account you have never opened), or you believe an item may be inaccurate (i.e. your report states you paid 2 months late, when you believe you paid on time) , you have the right to request an investigation. It is helpful to obtain credit reports from both Equifax and TransUnion to compare and see if differences are substantial; this may indicate a mistake in reporting.

Q: How do I report mistakes on my credit report?
A: Equifax: Steps are outlined on their website. You will complete and submit a “Consumer Credit Report Update Form” by mail or fax with the information you wish to be investigated.
TransUnion: Please visit their website. You will be able to file a dispute over the phone or through mail. Click on your preferred method at the bottom of the page from the link above. To file through mail, you will be required to fill out the “Investigation Request Form”.

  • Additional documents will need to be photocopied and sent with the form. They are outlined in the links above.

Q: What happens after I report a mistake on my credit report?
A: Before the credit bureaus (Equifax and TransUnion) can make any changes, they first need to check your claim with the lender that reported the information you are challenging as incorrect.
If the lender agrees there is an error, the bureaus will update your file. If the lender confirms the information is correct, no changes will be made. You will be notified of any changes.