Reference

Credit Reporting in Canada

Canada has two national credit reporting bureaus, Equifax and TransUnion. Lenders report account and payment information to one or both, and the bureaus produce the report and score a lender sees when you apply.

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You are entitled to a free copy of your credit report from each bureau by mail, and both offer paid instant access. The report is not the same as the score: the report is the underlying record, and the score is one lender's or bureau's interpretation of it.

Negative information does not stay forever. Most negative items remain for a defined period, and a consumer proposal or bankruptcy has its own longer timeline. Because the two bureaus are independent, an error at one does not automatically appear at the other — checking both matters.

Disputing an error is free and does not require a credit repair company. Both bureaus operate their own dispute process, and the Financial Consumer Agency of Canada publishes guidance on the process.

Credit reporting in Canada
Jurisdiction or item	Published value	Publisher	As of
National credit reporting bureaus	Equifax Canada and TransUnion Canada The two bureaus hold independent files; an item reported to one is not automatically reported to the other.	Financial Consumer Agency of Canada	2026-09-17
Free credit report entitlement	Free copy of your report from each bureau The report is free; the numeric score is generally a paid product. See FCAC for the current request process.	Financial Consumer Agency of Canada	2026-09-17

We do not reproduce a figure we have not verified against the publisher's current publication. Where no verified value is held, the row links to the source instead of showing a number.

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Frequently asked questions

How do I get my free credit report in Canada?

Equifax and TransUnion both provide a free copy of your credit report by mail. The Financial Consumer Agency of Canada publishes the current request process for each bureau.

Do I need a credit repair company?

No. Disputing an error with a bureau is free, and both bureaus run their own dispute process. Be cautious of companies charging up front to 'repair' credit.