How to Read Your Credit Report.
Your credit report provides a snapshot of your credit history, including your accounts, payment history, inquiries, and any collection items reported to the credit bureaus.
Explore the sample report below to learn what each section means, what to look for, and how to identify information that may need your attention.
Note: This is a fictional example for educational purposes. Your actual report may look different depending on the credit bureau.
What you'll learn
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What information appears on your credit report
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How to understand account statuses and payment history
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What credit inquiries mean
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How to identify potential errors
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What steps to take if something doesn't look right
Explore the full guide
Read our detailed guide for a breakdown of each section of a credit report, including a sample report to help you understand how the information appears in practice.
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Where to Get Your Credit Report?
You can request your credit report directly from Canada's two main credit bureaus:
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Equifax Canada: Visit the official Equifax Canada website to access your credit report.
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TransUnion Canada: Visit the official TransUnion Canada website to access your credit report.
Review your reports periodically and check that your information is accurate. If you identify an error, follow the relevant bureau's dispute process.
Remember: checking your own credit report does not generally lower your credit score.
Get your free Equifax credit report
Equifax Canada
Access your credit report through Equifax’s official website.
Website: Equifax Canada
Customers can follow the website’s options for accessing their free credit report and available credit score services.
Get your free TransUnion credit report
TransUnion Canada
Request the free report called a Consumer Disclosure.
Website: TransUnion Consumer Disclosure
Ontario residents can also see their credit score and score factors as part of their Consumer Disclosure. Online access is available through TransUnion’s free self-service option.