Because a credit report contains information about you, you have a right to inspect a copy of it. Equifax, one of Canada’s largest credit bureaus, offers you three ways to obtain your credit report:
1. Online. Order your credit report online quickly and easily with a credit card. You will get your report in real time, provided you authenticate yourself. There are three products that you can purchase online:
Equifax Credit Report A personalized credit report including details on credit cards and loans opened in your name, companies accessing your credit file, delinquent payments and more. See example report.
Equifax Score Power™ Credit ScoreA personalized credit report as well as your FICO® credit score and analysis. See example report. You will receive:
A full explanation of your score and how lenders view your credit risk.
Tips on how you can improve your credit score over time.
Custom graphs showing how you rank nationally among other consumers.
Specific factors that most heavily affect your credit score.
Equifax Credit Watch™ Credit MonitoringMonitoring your credit report for changes is one of the best ways to combat identity theft and ensure the accuracy of what’s being reported about you. Equifax Credit Watch™ will automatically alert you of certain key changes in your Equifax Credit Report and Score – such as when someone tries to open credit in your name – so you can act before damage is done.
2. By Phone. Call in your request to 1-800-465-7166. The credit report will be mailed to you in approximately two weeks. This request method is free of charge. However, the FICO® credit score is not included with this report.
3. By Fax. Fill in this form (.PDF) and send it to the fax number indicated. You must include two pieces of ID, including a valid driver's license and a recent utility bill. The report will be mailed to you in approximately two weeks. This request method is free of charge. However, the FICO® credit score is not included with this report.
Source : Royal Lepage
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