How to Check Credit History in Canada

Checking your Canadian credit history is important. Check it regularly so you can monitor whats in your credit file. There may be errors that need correcting. Errors have a negative effect on your credit. You can also see area where improvements could be made. Disclosure reports by mail are free but do not include your credit score. In order to get a detailed credit history in Canada, a fee is charged. There are two credit reporting bureaus: Equifax Canada and TransUnion Canada.

Instructions

1

Apply online to check your credit history in Canada. This provides you with a full report. Application is simple and quick. You can view your report as soon as your details have been verified. Click on either credit reporting bureau (see Resources). Click on See My Credit Score or First Time?, depending which bureau you have selected.

2

Complete the application form carefully. Errors will invalidate your application. Click Continue and review your application. Click Continue and enter your payment details. As of 2010, charges are Equifax $23.95, TransUnion $22.90. Fees may alter and could be different in certain provinces. Both bureaus provide your credit history and credit score in Canada.

3

Click Continue to complete the process. Wait while your personal details are verified. Your fee will be debited to your card. Provide a login name, password and password reminder. Click Submit. You can check your credit history instantly.