Credit Reports

How Do I Get My Free Credit Report?

Reading time: 5 minutes

Highlights:

You can request a free copy of your Equifax credit report online, by phone, by mail or in person
If you’re requesting by phone, you will be required to enter your Social Insurance Number
You’ll need to send documents verifying your identity and address if requesting by mail

You are entitled to free credit reports from each of the two nationwide credit reporting agencies.

There are four ways you can request a free copy of your Equifax credit report:

online
by phone
by mail
in person

Submit Your Request Online:

The fastest way to get your free Equifax credit report is to submit your request online.

Simply click here and the system will prompt you to provide personal information to verify your identity and create your myEquifax account.

When you sign in to your myEquifax account, you can download a copy of your credit report by clicking on the Credit Report link in the left navigation menu and then clicking the red PDF Download / PRINT button in the top right of your screen.

Your credit report contains personal and potentially sensitive information. Once downloaded, it’s best to save it in a password-protected file on your device. If you print your report, you should keep it in a secure location. You should always carefully consider with whom you share your credit report in order to protect your personal information.

Your Equifax Canada credit report is made available to you on myEquifax through our affiliate, Equifax Consumer Services LLC ("ECS"). ECS is a company in the U.S. that securely collects and stores your credit report from Equifax Canada to make it available to you on myEquifax.

Submit Your Request by Phone:

To request your credit report free of charge by phone, use our Interactive Voice Response system: 1-800-465-7166. Interactive Voice Response (IVR) is an automated tool that gathers the required information to process your request through voice response or key pad selection. It is important to note that when requesting your free credit report by phone, you will be required to enter your Social Insurance Number (S.I.N.). If you do not wish to provide your S.I.N., you will need to select a different option to submit your request such as mail or in person. If/when you complete the identity validation process, your credit report will be sent to your home address via Canada Post within 5-10 days.

Submit Your Request by Mail:

First, you'll need to download and complete the Canadian Credit Report Request Form.

Second, you must provide a photocopy (front and back) of two pieces of valid, non-expired Canadian Government-issued identification. At least one of the two IDs must include your current home address. Examples of acceptable documentation include:

Driver's license
Canadian passport
Canadian citizenship card
Permanent resident card
Social Insurance card
Birth certificate
Certificate of Indian Status

In order to protect your personal information, we will validate your identity before mailing your credit report to your confirmed home address. If your address is not up-to-date on either identification, you must also provide additional documentation that shows your current home address (e.g. telephone or utilities bill or bank statement). Your copy should show the date of the document, the sender, your name, address and your account number.

Documents must be less than 90 days old
We recommend you blackout any transactional details.
If you provide a credit card statement or copy of your credit card as proof, please ensure to blackout your CVV.

While providing your Social Insurance Number (S.I.N.) is optional, it helps us avoid delays and confusion in case another individual's identifying information (such as name and address) is similar to your own. If you provide your S.I.N., we will cross-reference it with our records to ensure that we disclose the correct information to you. We will not use it for any other purpose or share it with any third party.

The documents you provide will be used to confirm your identity and may also be used to update your credit report. Such updated information will be stored, safeguarded, used and/or disclosed in the normal course as part of your credit file. For more information about Equifax's privacy practices, please see our Privacy Policy. In any case, we will keep a copy of the information you provide to demonstrate that we complied with our obligation to obtain reasonable identification from you.

As a last step, you will need to submit your completed form and proof of identity

by mail to:
Equifax Canada Co.
National Consumer Relations
Box 190
Montreal, Quebec H1S 2Z2

Kindly allow 5 - 10 days for delivery.

Submit Your Request in Person:

Equifax has three office locations where you can request a free copy of your Equifax credit report in-person and receive a printed copy of your credit report after your identity is confirmed. Copies of the request form you will need to complete are available onsite.

You need to bring with you at least two forms of identification, including 1 photo identification and proof of current address. Also, you must provide the original copies of your chosen identification - photocopies and electronic versions are not accepted at the office. Examples of acceptable documentation include:

Photo Identification (must be valid and current. Expired identification is not accepted):

Driver's License
Provincial Photo Card (where applicable)
Canadian Passport
Canadian Citizenship Card
Permanent Resident Card
Nexus Card
Canadian National Institute of the Blind (CNIB) Card
Certificate of Indian Status issued by the Government of Canada

Proof of Address (must be less than 90 days old and received by mail):

Bank Statements
Bank Issued Auto Insurance Statements
Notice of Assessments (Government)
Credit Card Statements
RRSP
Utility Bills (e.g. Gas, Phone, Electricity or Cable, etc.)

Acceptable Supporting IDs:

Birth Certificate Issued in Canada
T4 slip (some exceptions apply)
Citizenship and Immigration Canada Document IMM1000 or IMM1442
Social Insurance Number (S.I.N.) Card issued by Canadian Government
Certificate of Naturalization

Providing your Social Insurance Number (S.I.N.) is optional. If you provide your S.I.N., we will cross-reference it with our records to help ensure that we disclose the correct information to you. We will not use it for any other purpose or share it with any third party.

Office locations

The following locations are available for individuals to obtain a free printed copy of their Equifax credit report and score (English language only). All hours listed below are in the local time zone, Monday to Friday, excluding holidays.

Please note that you must have two acceptable forms of identification with you in order to obtain your Equifax credit report.

Toronto, ON
5700 Yonge Street, M2M 4K2
Concourse level (near bottom of escalators)
8:30am - 4:30pm

Halifax, NS
Lyle Tilley Davidson Chartered Professional Accountants
1718 Argyle Street, Suite 720, B3J 3N6
9:00am - 4:30pm

Charlottetown, PEI
BDO Canada LLP
155 Belvedere Avenue, Suite 200, C1A 8B9
July 1, 2024 to September 2, 2024: 8:00am - 3:30pm
September 3, 2024 to June 30, 2025: 8:30am - 4:30pm

Correct an Inaccuracy on Your Equifax Credit Report

If you find any information that you believe is inaccurate, incomplete or a result of fraud, you have the right to file a dispute with Equifax Canada. You will need to complete the Credit Report Update form. You can complete it electronically and email all of your documentation to us. Or, you can print and mail in your completed dispute form and include copies of the required documents.