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How do I get my credit report and how do credit scores work?



Our response:

There are 2 major credit reporting agencies in Canada – Equifax and TransUnion – you can order a copy of your credit report from 1 or both of these agencies. These agencies don’t share information, so it’s a good idea to check both.

Both agencies offer free credit reports. Use this page to order a copy from Equifax. At TransUnion you can also order a free report. The reports are also available online, but may have to pay a fee.

Understanding your credit score

Your credit score will be between 300 and 900. The higher your score, the more likely you are to get a loan. A higher credit score can also help get you a lower interest rate, but there’s no guarantee. Learn more about your credit score and report.

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