How to get a annual free credit report in Canada


There are three main credit bureaus in the country of Canada, which are Equifax Canada, Trans Union, and the Northern Credit Bureaus. You can obtain a annual free credit report in Canada once a year by mailing the appropriate details and information to each of the above credit bureaus.

The information and details on how to order your credit report files are available on the internet. However, you must send them the required documentation such as photo copies of two forms of identification along with some other types of common background information. The credit reports will usually be sent to you within two to three weeks. By Canadian law, every citizen is allowed to request a annual free credit report by mail once a year.

You will need to pay close attention to the Equifax and Trans Union websites to locate the correct forms you will need to fill out so you can request your annual free credit report by mail. The links are not displayed very clearly and both of these companies will also try to sell you instant access to view your credit report file On-line instead. To get your credit score, you will have to spend a little extra money. For a fee, both Trans Union and Equifax offer consumers access On-line to view the information contained on their credit report file.

Equifax Canada
Consumer Relations Department
Box 190, Jean Talon Station
Montreal, QC H1S 2Z2
Tel: (514) 493-2314 or
Toll-free: 1-800-465-7166
Fax: (514) 355-8502

Northern Credit Bureaus Inc.
336 Rideau Boulevard
Rouyn-Noranda, QC J9X 1P2
Fax: 1-800-646-5876

Trans Union Canada
For residents of all provinces except Quebec:
Consumer Relations
Box 338, LCD 1
Hamilton, ON L8L 7W2
Toll-free: 1-800-663-9980
Fax: 905-527-0401

Trans Union Canada (Echo Group)
For residents of Quebec:
Consumer Relations
1 Place Laval, Suite 370
Laval, PQ, H7N 1A1
Toll-free: 1-877-713-3393

Although all information is written in good faith and has been reviewed, please email us at [email protected] to report any inaccuracies.