Canadians: Get a Free Copy of your Credit Report

March 10th, 2012 Leave a comment Go to comments

We never knew until recently that a Canadian could request a copy of his or her credit report, for free, by mail.  This seems like it would be a good thing to do every year or so.

In order to do this, you should contact both of Canada's credit-reporting agencies.  You can contact them by phone, mail, or fax.

If you need access to your credit report right away, you can order it, along with your credit score, online for a small fee. You may also pay a monthly fee and be notified periodically of any changes.  Your credit score will not be disclosed to you, for free.  However, typical use of having this information is simply to verify that what is on your credit report should indeed be on your credit report.  For this use, the free report will be perfectly adequate.

The report we received in the mail had our information obfuscated.  Though it provided us with the information we needed, it provided little information that could have contributed to identity theft, should the mail have been misdelivered.

For more information, see this document about requesting your free credit report from the Financial Consumer Agency of Canada.


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