If you are interested in  getting your credit reports for free then look no further.  All you need to do is contact TransUnion and Equifax (the two authorities in Canada responsible for credit reports) in the following ways:

Free Report via Mail or Fax

Fax: 905-527-0401
Voice: 800-663-9980


Consumer Relations Centre

P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2

For Quebec Residents:
TransUnion (Echo Group)
1 Place Laval
Suite 370
Laval, PQ
H7N 1A1

Free Report via Mail or Fax

Fax: 514-355-8502
Voice: 877-323-2598


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

Alternatively here is Equifax print out form for the free report: http://www.equifax.com/EFX_Canada/consumer_information_centre/docs/request_report_form_e.pdf


To receive a copy of your credit report, TransUnion/Equifax requires the following information (you can hand write or print this out on a blank page):

  • Name (REQUIRED)
  • Current address (REQUIRED)
  • Previous Address ((REQUIRED) if less than 2 years at current address)
  • Date of Birth (REQUIRED)
  • Signature (REQUIRED)
  • Social Insurance Number (optional)
  • Employment information (optional)
  • Telephone number (optional)

TransUnion and Equifax also requires both sides of two pieces of photocopied identification from the following list. Together these combined pieces must contain your name, current address, date of birth and signature.

Acceptable Primary Identification

One piece of valid, non-expired Canadian Government issued identification.
Examples include:

  • Drivers License
  • Canadian Passport
  • Certificate of Indian Status
  • Birth Certificate
  • Permanent Resident card
  • Citizenship and Immigration form
  • Health Card (excluding provinces of ON, MB, PEI)
  • Old Age Security Card
  • Department of National Defense card

Additional pieces of Acceptable Identification

  • Utility bill indicating current address (within 60 days of issue)
  • Credit card statement indicating current address (within 60 days of issue)
  • Signed Credit Card
  • CNIB card
  • Social Insurance Card
  • T4 slip (current tax year)
  • Notice of Assessments (current tax year)
  • GST/HST Refunds (current tax year)
  • Child Tax Benefits (current tax year)

It take about 2-3 weeks to arrive.


  1. No credit score. Just credit history.

  2. Never knew i could do this! Cool! Does it have the credit score too?

  3. Sweet! Thanks man!

  4. You can request an investigation if yuo notice oddities in the report. Its happened to me before.

  5. So if one report has something that the other doesnt then what?

  6. Yes you can get 2 reports for free. Equifax is the more popular of the two but from using them in the past i’ve found that they both can contain different information. So i recommend everyone get both.

  7. From what i understand, yes you can request two separate reports from both companies. They are independently run.

  8. So can i request a report from both Equifax and Transunion?

    Are the reports different?

  9. Big thanks for the information.

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