Credit Report Bureaus Directory
Canada has two national credit bureaus. Get your free credit report, understand your file, and learn how to dispute errors — all in one place.
Canada’s National Credit Bureaus
These two agencies collect and maintain most consumer credit information used by lenders across Canada.
Website: equifax.ca
- Free credit report (Consumer Disclosure) online, by phone, or by mail
- Online access via myEquifax after identity verification
- Credit score available free in many cases; paid monitoring products also offered
- Dispute errors online or by mail (free)
Website: transunion.ca
- Free Consumer Disclosure available online, by mail, or phone
- Ontario & Quebec residents get score + score factors on the free disclosure
- In-person services largely discontinued as of July 2026
- Online dispute centre available after account setup
How to Get Your Free Credit Report
You are entitled to a free copy of your credit report from each bureau. Online is usually the fastest method.
Online (Recommended)
- Visit equifax.ca or transunion.ca
- Create or log into your account
- Verify your identity with security questions
- Download or view your report immediately
By Phone
- Equifax: 1-800-465-7166
- TransUnion: 1-800-663-9980
- Follow the automated prompts
- Report is usually mailed to you
By Mail
- Download the request form from the bureau’s website
- Include photocopies of two pieces of valid ID
- Mail to the address listed on the form
- Allow 1–3 weeks for delivery
Free Credit Score Options
Your free statutory report may or may not include a score. These services provide free scores (soft pull, no impact on your credit).
| Service | Bureau Source | Cost | Notes |
|---|---|---|---|
| Borrowell | Equifax | Free | Weekly updates, educational tools |
| Credit Karma | TransUnion | Free | Weekly updates, score simulator |
| Major bank apps (RBC, TD, CIBC, BMO, Scotiabank, etc.) | Varies | Free for customers | Usually monthly; convenient if you already bank there |
| Equifax / TransUnion direct | Own data | Free report; score often free in ON & QC | Full Consumer Disclosure |
How to Dispute Errors
You have the legal right to dispute inaccurate or incomplete information for free. Both bureaus must investigate.
- Get both reports — Review Equifax and TransUnion files. They are not identical.
- Identify the error — Wrong balances, accounts that aren’t yours, incorrect personal info, outdated late payments, etc.
- Gather proof — Statements, letters, receipts, or police reports (for identity theft). Send copies only.
- File the dispute — Online through your bureau account or by mail using their dispute form. Clearly state what is wrong and why.
- Wait for investigation — Usually 15–30 days. The bureau contacts the creditor. You will receive written results.
- Follow up if needed — If unsatisfied, escalate within the bureau or contact the original creditor directly.
Equifax Dispute
Online via myEquifax or mail to:
Equifax Canada Co.
National Consumer Relations
Box 190, Montreal, QC H1S 2Z2
TransUnion Dispute
Online via your TransUnion account or mail to:
TransUnion Consumer Relations
P.O. Box 338, LCD1
Hamilton, ON L8L 7W2
Quick Tips & FAQ
Why check both bureaus?
Lenders may pull from one or both. Information can differ between Equifax and TransUnion, so reviewing both gives a complete picture.
Does checking my report hurt my score?
No. Viewing your own report or using free score services is a soft inquiry and does not lower your score.
How often should I check?
At least once a year, or before applying for major credit. Many free services update weekly so you can monitor more frequently.
Fraud alerts
If you suspect identity theft, contact both bureaus to place a fraud alert. Also report to the police and the Canadian Anti-Fraud Centre.
This page is an educational directory only. It does not provide financial, legal, or credit-repair advice. Contact information, processes, and free access options can change. Always verify current details on the official Equifax Canada and TransUnion Canada websites or through the Financial Consumer Agency of Canada (FCAC). We are not affiliated with either bureau.