When was the last time you checked your credit report? Many consumers don’t know they have the ability to request a free (written) copy of their credit report. In today’s blog post, we’re going to show you how to do this!

In Canada, there are two credit reporting agencies: TransUnion and Equifax. Below are the step-by-step instructions on how to request a free copy of your credit report. It is important to know that there may be a cost for requesting an electronic copy of your credit report or to get access to your credit score. In order to verify your identity, you will need to provide copies of two pieces of I.D. with your request.

How to get a free credit report from TransUnion

  • Go to this page on TransUnion’s website.
  • Choose how you want to make your request: by mail, in-person (note there are currently no offices in BC) or by phone.
  • Submit your request and you’ll receive a mailed copy of your credit report.

How to get a free credit report from Equifax:

  • Go to this page on Equifax’s website (note that this link will automatically bring up a PDF form).
  • Fill out the form (if you don’t want to purchase your credit score, don’t fill in the payment information at the bottom).
  • Submit your request and you’ll receive a mailed copy of your credit report.

A few credit reporting tips:

  1. Check information from both agencies. It’s a good idea to check your credit reports from both agencies, TransUnion and Equifax, as the information on each of your two credit reports can be different.
  2. Review them often. Request a copy of your credit report each year and ensure the information is correct. It may also be a good idea to check the report if you think you have been a victim of identity theft to ensure that new credit has not been opened in your name.
  3. Know your credit reporting rights. By law, only people that you’ve given permission to are allowed to see your credit report. Also, you can provide a 100-word explanation on your credit report that provides an explanation or context about information on your credit report.

Consumer Protection BC is responsible for regulating credit reporting agencies with respect to what may be included in a credit report and who can see it. For more information and tips about credit reporting, and who to speak to if you have questions, please check out this page on our website.