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How do I check my credit rating and credit score?


To learn your credit rating, you must order a copy of your credit report. Your report also contains information on:

  • your loans, credit cards and other forms of debt
  • personal data like your name, social insurance number and date of birth
  • bank accounts and any NSF (bounced) cheques
  • your current and past employers
  • a record of any debts you’ve had referred to a collection agency.


You must order a separate report to learn your credit score.

Tip It’s a good idea to check your credit once a year to make sure it’s right and that you haven’t fallen victim to identity fraud.

Where to get your credit rating and credit score:

In Canada, there are two major credit-reporting agencies – Equifax and TransUnion. They don’t share information, so it’s a good idea to check both. You can get your credit report by mail for free. Or, you can get it online for a fee.

Here’s what each agency’s credit report and credit score looks like:


What if there’s a mistake? If there’s an error on your credit report, you can ask the agency to fix it. Learn more

Other Topics:

Chapter 1:
Your credit rating
Chapter 2:
What is a credit rating?
Chapter 3:
What is a credit score?
Chapter 4:
How do I check my credit rating and credit score?
Chapter 5:
How do I build a better credit rating?