How to get a free Credit Report Equifax Canada

Filed in Credit Reports by on December 1, 2012 23 Comments

One of the frequently asked questions for us is “how do I get my free credit report?” Canadians can obtain a credit report at no charge from Equifax Canada in 2 ways:

  1. By Mail
  2. By Phone

Free Canadian Credit Reports and History –  by mail or fax

  1. Download and complete the free credit report request form
  2. photocopy 2 pieces of ID (1 needs to show your address)
  3. Photocopy your Social Insurance Number (SIN) – this is optional, but will help the credit bureau verify your information
  4. Do not fill in the credit card information tab unless you would like to know your credit score

Once you have completed the steps above, you can fax the request to 514-355-8502 or mail to:

Equifax National Consumer Relations
P.O. Box 190, Station Jean-Talon
Montreal, Quebec
H1S 2Z2

Free Canadian Credit Reports and History – by phone

Give Equifax Canada at call toll-free number at 1-800-465-7166. Be prepared to answer questions about your credit, credit card and loan information. Equifax Canada will  use this information to verify your identity.

Other useful information

Alternatively, instead of waiting 1-2 weeks for the free version (which does not include a credit score summary), Canadians have the option to obtain their credit score and history information today. TransUnion Canada has an speedy online credit report which you can get by completing the official  TransUnion Credit Monitoring Order Form – Note: The online credit report will cost $14.95 Canadian.

Related posts:

About the Author ()

Pat Drummond is the author of Credit Reports Canada and considered by many to be one of the leading experts on productivity and simplicity in relation to financial planning. He started this online credit score & reporting site to chronicle and share what he’s learned in over 20 years of counseling families and individuals on debt management, obtaining loans and improving credit scores.

Comments (23)

Trackback URL | Comments RSS Feed

  1. David says:

    Thank you. I was able to get my credit report in about 2 weeks. What is the difference between the different credit bureaus? do they have the same report?

    • Pat Drummond says:

      Hi David, Equifax and TransUnion are 2 companies which collect financial transaction information related to our loans, credit cards mortgages etc. They will report on the same items. However, the reports may show 2 different things such as late payment dates or loan amounts. It’s always best to get review both reports because sometimes the information is inaccurate and you will want to have it corrected so that it doesn’t affect your credit score. -Pat

  2. Khalel says:

    Hi,
    Nice article. One question : do you have to be canadian oo having a credit card and or SSN as a resident suffice?
    Thank you

    • Pat Drummond says:

      Hi Kadlel,

      usually for a Canadian Credit Reports, they will want a Social Insurance Number. But it is not necessary if you don’t have one. The reason they ask for such details is because they are trying to confirm and validate your information and make sure you are who you say you are. There are many ways they can validate.

      -Pat

  3. Katie says:

    I am returning to Canada after living about 15 years abroad. I have no recent activity in Canada. We are moving back in a few months and would like to check our credit score but have no Canadian address as yet. Can we still check our credit report? Not sure of exact address while living in Canada. We do have Social Insurance numbers.

    • Pat Drummond says:

      You can still check your credit reports even though you have been away from Canada for some time. Your name, social insurance number is key. But you will have to try and remember your previous address for verification purposes. There are many options to verify your identity and if you don’t remember your old address, they can verify your old credit card accounts or past loans etc.

  4. Dianne says:

    I know that Equifax Canada offers a free 30 day trial, but have not been able to find any free trial offers from TransUnion Canada. Do you know if there are currently any out there right now?

    • Pat Drummond says:

      TransUnion Canada does offer free trials from time to time. But from my experience, you won’t see it as often. Like you, I noticed Equifax offers a more often.

  5. Richard says:

    I’m trying to get my credit score but when I try to get a free credit score it always ask for a credit card, which I don’t have. so why is there advertising for free credit score.

  6. tonya b says:

    I already received my credit report but I want to find out my credit score…..how do I do that?

    • Pat Drummond says:

      A regular credit report will not include a score. The score is an add on that the credit bureau provides. The best way to obtain the score is to simply sign up online.

  7. Antonio says:

    Hello,
    Would any potential Creditor Get any of the info about me ( Name,Adress,and all ) from my application for my
    credit Report / Score ?

    • Pat Drummond says:

      Yes. Your personal data is accessible to potential creditors in your credit report. However, they need permission from you first to pull your report.

  8. lance fitzgerald says:

    I want my credit score/credit report free you greedy fucks!!!!

  9. MELBURN LANGILLE says:

    Why should I have to pay for my own credit repord, please answer.

    • Pat Drummond says:

      Melburn, ironically I agree with you. The information contained within the report is our own personal information. That is why they offer free credit reports if you request it. However, the part that is not free is the scoring part. The credit scores are proprietary, these bureaus create it themselves and sell them. That’s how they make money.

  10. william fawell says:

    what a joke why is it every other country gets a free credit report and score online and us Canadians have to pay

  11. Brandy says:

    When I get my credit report will it show I have an out standing balance somewhere causing a low credit score? I have recently been told my bank that I owe somewhere but they can’t see what its is and I haven’t heard anything so I would like to find out.

    Would this info be in the report as I would like to have this corrected as soon as possible

    • Pat Drummond says:

      Hi Brandy, yes for the most part, all of your debts should be reported in your credit file. All credit cards, loans, bank loans etc.

  12. Eric says:

    Hi, I have some questions in here. I had live aboard for more than a decade and I’m planning to move back to Canada next year. However, I don’t have any valid Canada address right now. But I do have my passport and SIN card with me. Can I still get my credit report.( I just read a case above which is similar to mine but that case was like more than 10 years ago. I just worry something had been change ).Can they send my credit report by email and what’s the big different between free version and paid version. Thank you very much

    • Pat Drummond says:

      Living abroad will not affect you getting access to your credit report. The address is simply used as one of the verification methods. If you use the website method (paid), you will be able to get access to your credit report. The mailed report will definitely require an address. They will not email your report.

      The difference between the paid version and the free version is 2 things. 1: Paid version gives you instant access to your report 2: Paid version displays your actual credit score. The free version (by mail) is only a report that shows the credits cards and loans you have active. No score.

      In addition to this, there are free online versions or versions that cost $1 which allow you to have access to your credit report immediately, but it is only a promotion for a specific amount of time (like 7 days, 30 days) at which time you have to cancel or they will charge you additional.

      Hope that helps. -Pat

Leave a Reply

Your email address will not be published. Required fields are marked *