Obtaining Your Credit Information
Once a year, you should check your Credit Report for accuracy and to guard against Identity Theft. Since Creditors may report to one or more Credit Reporting Agencies, it is suggested that you request a report from each. Married couples should each request a separate report from all three agencies, as the information may be different for each spouse.
You can also obtain a copy of the Credit Reporting Agency’s Credit Score for you. These are not a part of your Credit Report, so must be requested separately (or, in addition to).
In Canada…
In Canada, you may request a copy of your credit report by mail (FREE) or online (FEE) from the major Credit Reporting Agencies. In addition, you may request your Credit Scores, though there is a fee.
- Equifax Canada, Inc.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, Quebec
H1S 2Z2
1.800.465.7166
- TransUnion Canada
TransUnion
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2
1.800.663.9980For Quebec Residents:
TransUnion (Echo Group)
1 Place Laval
Suite 370
Laval, PQ
H7N 1A1
1.877.713.3393- Northern Credit Bureaus, Inc
P.O. Box 727
Rouyn - Noranda QC
J9X-5C6(Please double-check each agency’s website for information required, fees required, and addresses if you are going to request by mail.)
Opting Out of Marketing Lists
For Canadians, the only information that I’ve been able to find on “opting out” is to contact the Canadian Marketing Association. See their site for more details. Also, you may want to check the Office of the Privacy Commissioner of Canada site. If you are aware of other options available, please let me know!
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