Canadian Credit – How to Get Credit Records

Updated on July 18th, 2021

In Canada, It is always a good idea to know about your credit report, read though it and understand it, call the credit bureau in case you find any error.

There are many ways to get credit score.

Request your credit report from Equifax and TransUnion

  • Advantages: Free
  • Drawbacks: need to fill up a form and fax, after that you need to wait for the mail, Equifax and TransUnion won’t give you credit score, only credit report

Register Equifax and TransUnion accounts

  • Advantages: you get all your information instantly.
  • Drawbacks: cost money, it is recurrent payment on your credit card until you call to cancel.

By the way, both credit bureau are doing promotion now, only $4.95 per month: EquifaxTransUnion, just make sure you call and cancel before the 1st month ends.

Free online service


You don’t need TransUnion after Credit Karma. However Borrowell can’t replace Equifax, so you should still go get a credit report.