How to Check Credit History in Canada

It's easy to check your credit history in Canada, apply online for instant access.

Checking your Canadian credit history is important. Check it regularly so you can monitor what’s 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.

Tips & Warnings

• Obtain your report from both agencies to be sure all information is accurate.

• Check the reports for accuracy. Errors should be reported at once to the credit reporting bureau. Call or write to them. If they won’t correct errors contact your provincial regulator for consumer affairs (see Resources).

• Remember that disclosure reports by mail are free.

• Beware of bogus websites purporting to offer free credit ratings and scores. Many are interested in obtaining your personal details. This could result in your identity being stolen. Only use the official bureaus: Equifax and TransUnion.

References

• Canada’s Office of Consumer Affairs: Credit & Credit Repair
• TransUnion Canada: Check Your Credit Report and Credit Score Online
• Equifax Personal Solutions: Credit Report, Credit Scores, Protection Against Identity Theft

Resources

• Equifax Personal Solutions: See My Credit Score
• TransUnion Canada: Credit Profile Solutions
• Canada’s Office of Consumer Affairs: What to do if you find errors in your credit report