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How to Get Your Free Credit Report

A credit report is a detailed report of the last 6 years of a person’s credit history. Lenders use credit reports to determine if they will lend you money or not. A credit report sometimes called a disclosure or credit history. Check out sample reports:

How can I see my credit report?
Equifax and TransUnion are the two credit bureaus where you can get your credit report.
If you apply by mail or phone, you can get your report once a year for free from both credit bureaus. If you apply online, you will have to pay a fee and you will receive your report instantly.
Apply by mail:

Apply by phone:

  • Equifax at 1-800-465-7166
  • TransUnion at 1-800-663-9980

You will need to answer a series of questions to confirm your identity. You also may need to provide your Social Insurance Number and/or credit card number to confirm your identity.

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