The system of credit reports and scores in Canada is very similar to that in the United States, with two of the same reporting agencies active in the country: Equifax and TransUnion.
There are, however, some key differences. One such difference is that, unlike the United States, where a consumer is allowed only one free copy of their credit report a year, in Canada, the consumer may order a free copy of their credit report any number of times in a year, as long as the request is made in writing, and as long as the consumer asks for a printed copy to be delivered by mail. This request by the consumer is noted in the credit report, but it has no effect on their credit score. According to Equifax's ScorePower Report, FICO scores range between 300 and 900.
The Government of Canada offers a free publication called Understanding Your Credit Report and Credit Score. This publication provides sample credit report and credit score documents, with explanations of the notations and codes that are used. It also contains general information on how to build or improve credit history, and how to check for signs that identity theft has occurred. The publication is available online at the Financial Consumer Agency of Canada. Paper copies can also be ordered at no charge for residents of Canada.
http://en.wikipedia.org/wiki/Credit_score
Am I eligible for a free credit report?
Residents of Canada are entitled to a free copy of their TransUnion Consumer Disclosure Report. This service is available by visiting one of TransUnion's offices across Canada or by mailing in a request.
If you have had an application denied within the last 60 days and a TransUnion credit report was used in the decision process, you are entitled to discuss your credit file with a TransUnion associate, by dialing 1-800-663-9980. Residents of Quebec, please contact 1-877-713-3393.
- To obtain a copy of your Consumer Disclosure report from TransUnion -
Or write to:
TransUnion Canada
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2
For Quebec residents:
Telephone 1-877-713-3393 or (514) 335-0374
8:30 AM until 5:00 PM EST, Monday to Thursday
8:30AM until 4:30PM EST Friday
Or write to:
TransUnion Canada Centre de relations aux consommateurs
1 Place Laval, suite 370
Laval, QC
H7N 1A1
To receive a copy of your Consumer Disclosure report TransUnion requires the following information:
* Your full name
* Present address
* Previous address, if present address is less than 2 years
* Phone number (optional)
* Date of Birth
* Place of employment (optional)
* Social Insurance Number (optional)
* Your signature
TransUnion also requires both sides of two pieces of photocopied identification; one must include a signature. Examples of acceptable identification include driver's licence, birth certificate, passport and/or credit cards. If more than one member of your household is requesting their file, each individual must supply a separate request and include all of the above information.
- To obtain a copy of your credit report from Equifax -
Please visit http://www.equifax.com/EFX_Canada/contact_us/index.html
https://www.creditprofile.transunion.ca/help/faq/ordering.jsp#three
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