Credit reporting agency collects information about where you live and work, how you pay your bills, whether or not you have been sued, arrested, or filed for bankruptcy. All of this information is combined together in a credit report.

A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent the creditworthiness of an individual.

In order to access you credit report contact both Equifax and TransUnion.

Order a copy of your credit report from both Equifax and TransUnion. Each credit bureau may have different information about how you have used credit in the past. Ordering your own credit report has no effect on your credit score.

Equifax Canada refers to your credit report as “credit file disclosure”.

TransUnion Canada refers to your credit report as “consumer disclosure”.

Consider requesting your report from one bureau, then wait six months before you order from the other bureau.

TransUnion

US 1 800 916 8800 Canada 1 800 663 9980

Equifax

US 1 866 349 5191 Canada 1 800 465 7166