Free Credit Report is one of the most searched keywords in the Credit niche in Canada. I know, you don’t like paying money to get that.

This keyword has been searched over five hundred thousand times every month.  That is a huge number.

For those who are searching it for the first time, you need to know what is mean by credit report.

Let us move on to that.

What is Credit Report?

A credit report is a kind of history of your Credit Card usages or any Loans, etc. Your Credit Report reflects anything like missed payments or over-limit usage on Credit Cards, etc.

It reflects pretty much all kind of bill payment information and personal information.

Even if you’ve missed payments to your mobile phone or internet, that also reflect even though it is not Credit accounts. That is the way it works.

Who is providing your Credit Report?

There are two major Credit Reporting agencies, Equifax Canada and TransUnion Canada.

They keep all your information on files, which are available upon request.

Why do your Credit Report matters?

Why do we need a Credit Report? Like I said, simply it is a document which reflects your trustworthiness to paying bills on time.

So, when you apply for a Credit Card, the lender will check your Credit history and decide whether to approve or refuse.

Not only Credit Card applications, it matters everywhere like mortgages, other loans, etc. Even if you try to rent a basement, sometimes you need to show your Credit Report to your Landlord also.

See, it matters almost everywhere you need to get something where as long as you don’t pay the full amount.

They are just giving you their money or their assets. So, really want to know, whether you are reliable to deal with or able to pay the money back.

How to get a Free Credit Report?

Like I said, there are two major Credit Reporting agencies, from where you can get your Credit Reports.

In Canada, there are no limits. You can get any number of Credit Reports in a Year.

There are three ways you can request for a Credit Report.

  1. Order it Online.
  2. by Mail.
  3. by Fax or Telephone.

Now, you need your Credit Report without spending any money, right?

Getting a Free Credit Report is not a big deal

Before you get your Free Credit Report, you should know something about it.

Like I said, there are two major Credit Reporting Agencies in Canada. Equifax and TransUnion.

This is important to know. Your Free Credit Report is called in different names by these two Agencies.

When it comes to Equifax Canada, they call it as, “Credit File Disclosure”. And TransUnion Canada calls it as “Consumer Disclosure”.

Make sure you remember these before you call or write them to get your free credit report.

Did you notice that I said, call them or write them!

Because, you can get a Free Credit Report, only if you order it by mail, fax or telephone. Also, you must have to receive it by mail or in person.

Other than that, the only way left is order it online, right? But, that will cost you money. I know that is the most convenient way but, unfortunately, that is the way it works.

No Credit Scores in Credit Reports

This is really important. A lot of you might think that you will get your Credit Score also in your Free Credit Report.

If you are one of them, you are wrong. That is not going to happen here. Credit Reports will not show your Credit Score.

Instructions to apply for a Free Credit Report

If you are ordering it through Telephone, you got to make sure a couple of things.

  • You got to confirm your identity by answering a couple of personal and financial questions prompted by the automated guy.
  • Provide the correct SIN (Social Insurance Number).

Here are the contact numbers for you.

 

Equifax (Canada- All Provinces and Territories)

1-800-465-7166 (Toll-Free)

 

TransUnion (Canada- All Provinces and Territories except Quebec)

1-800-663-9980 (Toll-Free)

 

TransUnion (Canada- Quebec)

1-877-713-3393 (Toll-Free)

 

For those who mail or fax them;

  • Moreover, you have to provide copies of two pieces of IDs.

Here is the Mailing Address and FAX Numbers.

 

Equifax (Canada- All Provinces and Territories)

Mailing Address:

Equifax Canada

Consumer Relations Department

P.O. Box 190, Station Jean-Talon

Montreal, QC, H1S 2Z2

FAX: 514-355-8502

 

TransUnion (Canada- All Provinces and Territories except Quebec)

Mailing Address:

TransUnion Canada

Consumer Relations Centre

P.O. Box 338, LCD 1

Hamilton, ON, L8L 7W2

FAX: 289-288-0030

 

TransUnion (Canada- Quebec)

Mailing Address:

TransUnion Canada

Consumer Relations

P.O. Box 1433, Station St-Martin

Laval, QC, H7V 3P7

FAX: 514-334-8698

Online Applications

For those who don’t have time to call or mail them, you have no other choices than requesting it online.

Equifax: www.equifax.ca

TransUnion: www.transunion.ca

 

In Conclusion

I know there are a lot of other websites offering you free credit reports. But, you should careful while dealing with them.

Of course, there are some genuine websites but, most of these are fraudsters. However, it is not easy to figure that out. What they want is your personal and SIN information.

You know what! If they got your SIN number, that is pretty enough for them to get even a Credit Card on your name.

As a result, you will face a lot of troubles and finally, that increases your debt too.

I will try my best to try all the other Free Credit Report provider websites out there. And I will review it for you.

Do you have any other questions or feedbacks?

 

 

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