Free Credit Report Canada

A lot of people are searching for free credit report Canada and I also urge you to do so. A credit report reveals all your dealings with different lenders to gauge how well you are handling your finances. It shows your available credit, any history of missed payments or any signs that you are maxing out your credit limit. You can also use this report to identify any possible identity fraud committed against you.

Why It Matters?

Many companies are using this data to check if you can qualify for car loans, home mortgages, small business funding, job employment and other expenses. Any sign of credit trouble is bad for your loan application and this report will help you know where you stand right now. Most lenders use this report to determine if you are a good candidate for loan as well as set the appropriate interest rate you need to pay. The better your score, the lower interest you pay.

Where to Get Free Credit Report Canada?

The good news is you can get free credit report in Canada. There actually three major agencies that you can get in touch with – EquiFax, Experian and TransUnion. They are man dated by law to provide free credit report by mail. Of course if you want to get it fast you have to pay the fee so you can download it online.

Before you can request your free credit report in Canada, you need to provide two (2) pieces of photocopied identification, front and back. You can use a copy of your driver’s license, passport, citizenship card, credit card and billing statement. Fill out the form below together with your identification and send by mail or fax to any of the following agencies:

Equifax Canada Inc.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, Quebec
H1S 2Z2

Experian Canada, Inc.
150 King Street West, Suite 805
P.O. Box 68
Toronto, Ontario, Canada
M5H 1J9

TransUnion Canada
Consumer Relations Center
PO Box 338, LCD 1
Hamilton, Ontario
L8L 7W2

I hope you don’t forget to request your free credit report Canada. Remember, your credit score is the major factor to determine your credit worthiness and approval to any of your loan application. That’s why it is important to be informed about your credit history all the time as well as correct any inaccuracies that may affect your score.