How to Get My Credit Score in Canada

Two agencies in Canada, Equifax and TransUnion, maintain credit histories of Canadians. Both offer free copies of credit reports by mail. This does not include a credit score. To obtain a credit score, consumers must visit one of the two companies' websites and choose a for-payment credit package. You should receive the credit report and score almost instantaneously after online payment has been processed.

Instructions

1

At the Equifax website, print and complete the Credit Report Request Form (see Resources). Fill out the form and mail or fax it, along with copies of two pieces of government-issued identification and proof of address to Equifax. You will receive a free copy of your credit report within 5 to 10 business days. You have the option when completing the form to obtain your credit score for an additional charge.

2

Alternatively, you can obtain your credit report online for a fee. To do this, visit the Equifax Consumer Homepage website (see Resources). Choose the credit product that best suits your needs. They include a credit report, credit score, and credit monitoring. To learn more about each package, click "Learn More" under each product. Once you have chosen a product, click "Order Now." You will be prompted to register with the site, verify your identification, and provide payment information.

3

Alternatively, you can obtain a credit report or score from TransUnion, the other major credit reporting agency in Canada. A free Consumer Disclosure can be obtained from TransUnion by mail or in person by visiting one of TransUnion's offices (see Resources). To request the disclosure by mail, download and print the Consumer Disclosure Request Form (see Resources), complete it, and send it to TransUnion with copies of two forms of government-issued photo ID and proof of address. The same identification requirements apply if you request your consumer disclosure in person at a TransUnion office.

4

Alternatively, you can also purchase a credit product from TransUnion online, and you may choose a credit product that includes your credit score. From the TransUnion website (see Resources) choose a credit product that meets your needs. Click "Order Now" to order the product. You will be prompted to give your personal information, payment information, and ID verification in order to complete the transaction.