How to get a credit report from Equifax Canada
Consumers have the right to request a copy of their own credit report from Equifax for free.
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Who this document is for
→ Anyone who is disputing a Court Order record as "this is not me"
→ Anyone who wants to check their Rent Rewards credit building record
There are two main ways to request a Consumer Credit Report via Equifax directly
Option #1 - Online
Visit the Equifax Canada website and use their free online service to access your credit report. You’ll need to provide personal details to verify your identity (such as your SIN, address, and government-issued ID).
→ Start here on Equifax Canada
Option #2 - By Mail or Fax
Download the Equifax Canada Credit Report Request Form, fill it out, and send it along with copies of two pieces of valid ID (e.g., driver’s license, utility bill) to:Equifax Canada Co.
Consumer Relations Department
P.O. Box 190
Station Jean-Talon
Montreal, Quebec H1S 2Z2
Fax: 514-355-8502
Reports requested by mail are usually delivered within 5 to 10 business days.
Contact Equifax by Phone
Saturday and Sunday: 9 a.m. to 6 p.m. (ET)
How to complete the Option #1: ONLINE credit report pull
→ Click 'Get Started' on the Equifax Canada website
→ Fill in your profile information
→ Do your account verification where a 6-digit code is send to you
→ Click the button to continue to process the order. It is free.
→ Access your report in PDF. This is the PDF you would review to see details about your Equifax Consumer Credit Report.
What else you should know
Is it really free to get my credit report from Equifax?
Yes. You’re entitled to request your credit report for free at least once a year, either online or by mail.
Will checking my own credit report affect my credit score?
No. Requesting your own credit report is considered a “soft inquiry” and has no impact on your credit score.
What if I find an error on my report?
You can file a dispute directly with Equifax to investigate and correct any inaccurate information. Visit their dispute page for instructions.
Can I also get my credit score for free?
Your credit report is free, but your credit score may not be included. Equifax may charge a fee to view your score, or you can check with your bank or credit card provider - many offer it for free.
How often should I check my credit report?
It’s recommended to check your credit report at least once a year, or more frequently if you’re planning a major financial decision or suspect fraud.