See the guide
Consult this information booklet to better manage your personal finances and protect yourself against financial abuse.
How to access credit reports?
Accessing your two credit files is an essential step in understanding your financial situation. So how do you access them?
Two Credit Reports
First, it's important to know that Canadians have two credit reports, with different companies: Equifax and TransUnion. Each of your reports may contain different information.
Free Access
Accessing your credit reports online is a right, and it’s free. You can access your report through the credit agencies' websites. Some financial institutions also allow you to view your credit report through your banking interface.
Credit Report Check Frequency
We recommend that you check your credit reports at least once a year to ensure everything is in order. Do you notice any errors or fraudulent accounts? Check our guide to find out what to do in case of fraud.
But I’ve always been told that accessing my credit report would lower my score! I don’t want that!
Don’t worry! This belief is a myth! Checking your report will not harm your credit score.
Learn more about the credit report
Understanding your credit report
What do you need to know about your credit report? What exactly does it contain?
What to do in case of fraud?
How to check if your credit report has been fraudulently altered? What should you look for?