Money: Your Credit Repor – Why it’s Important and how to get it Free

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Your credit report is a history of your financial activity. It includes details about any loans or credit cards you may have, and your payment record. When you apply for a loan or a financial service, the bank will look at your credit history. When you apply for a job or want to sign a lease for an apartment, authorized people, like an employer or landlord, may also look at your credit report with your approval to verify your reliability. To avoid unnecessary problems, it is important that all of the information on your credit report be accurate and up to date. If there are errors in the report, it is important that you try to correct them. To find out how to do that, contact the Financial Consumer Agency of Canada (FCAC).

To obtain a copy of your credit report free of charge, contact the credit-reporting agency your financial institution deals with. Your financial institution can help you identify which of the following credit bureaus to contact:

Equifax Canada
Tel. (toll-free): 1-800-465-7166

Trans Union Canada
Tel. (toll-free): 1-866-525-0262
Quebec (toll-free): 1-877-713-3393

Northern Credit Bureau
Fax (toll-free): 1-800-646-5876

For more information on credit reports, contact the Financial Consumer Agency of Canada (FCAC). FCAC is the federal government agency that regulates federal financial institutions. Visit FCAC’s Web site at or call FCAC toll-free at: 1-866-461-3222.

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