Understanding your credit report and credit score

Table of contents


How to order your credit report and score

You can order your credit report from the credit reporting agencies by mail, fax, telephone or online. You can order your credit score online. Contact information for Equifax Canada and TransUnion Canada​ is listed below.

Equifax Canada and TransUnion Canada may have different information about you in their files, so you should order your credit report from both agencies at least once a year.

Consider requesting your report from one agency and then waiting six months before you order from the other agency. By spacing out your requests in this way, you may be able to detect any problems sooner. 

Your free credit report is called a “credit file disclosure” by Equifax Canada and a “consumer disclosure” by TransUnion Canada. It does not include your credit score.

To get your credit report free of charge:

  • you may order it by mail, fax or telephone
  • you must receive it by mail or in person.

If you choose to access it online, you will have to pay a fee.


To order by mail or fax:

To order by telephone:

  • call the credit reporting agency and follow the automated prompts
  • confirm your identity by answering a series of personal and financial questions and providing your Social Insurance Number (SIN) and/or a credit card number. 

Does my free credit report include my credit score?

No, it does not include your credit score. 

If you want to receive your credit report right away, you can pay a fee to get it online.

There is a fee to order your credit score from the credit reporting agencies.

Be wary of other organizations that offer free credit scores. To get the “free” score, you may have to sign up for a paid service. Fraudsters may offer free credit scores in an attempt to get you to share your personal and financial information. 

How can I contact Equifax Canada?

   All provinces and territories—Equifax Canada
Equifax Canada
Consumer Relations Department
P.O. Box 190, Station Jean-Talon
Montreal, QC  H1S 2Z2

How can I contact TransUnion Canada?

   All provinces and territories except Quebec—TransUnion Canada
TransUnion Canada
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON  L8L 7W2
Quebec - TransUnion Canada
TransUnion Canada
Consumer Relations
P.O. Box 1433, Station St-Martin
Laval, QC  H7V 3P7

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