Equifax, TransUnion, Credit Karma and ClearScore: where to check your credit in Canada

We list only what each company's own page says. A blank means the page did not say.

Sources: Financial Consumer Agency of Canada: Getting your credit report and credit score (modified November 4, 2026, read November 10, 2026); Equifax Canada: How do I get a free copy of my credit report? (no date shown, last confirmed November 10, 2026); TransUnion Canada: home page, consumer disclosure and monitoring (no date shown, last confirmed November 10, 2026); Credit Karma Canada: Does checking your credit score lower it? (no date shown, last confirmed November 10, 2026); ClearScore Canada: home page (no date shown, last confirmed November 10, 2026). The "how it earns money" row for Equifax and TransUnion is our plain reading of the products on their pages, not a statement from them.

Equifax Canada: sign in to a free myEquifax account and download the report as a PDF, call 1-800-465-7166, mail the request form with photocopies of ID, or visit an office. Equifax's page says the online account runs with a US affiliate, so your data is stored in the United States.

TransUnion Canada: ask for your consumer disclosure online, by mail or by phone at 1-800-663-9980. The FCAC says you need two valid pieces of ID for a mail request. TransUnion's page says the disclosure is available at no cost and that you do not need a subscription to see it.

Reports are updated monthly, per the FCAC. Ask both bureaus. They are separate companies, and in our reading they may not hold the same information.

Sources: Equifax Canada: How do I get a free copy of my credit report? (no date shown, last confirmed November 10, 2026); Financial Consumer Agency of Canada: Getting your credit report and credit score (modified November 4, 2026, read November 10, 2026); TransUnion Canada: home page, consumer disclosure and monitoring (no date shown, last confirmed November 10, 2026).

The report lists your accounts and payment history. This is the part you check for mistakes. The score is one number built from the report. Free scores are a quick first look. The report is what a lender reads.

Which score you see also depends on where you look. A score from an app may not be the one your lender uses, so treat it as a guide.

• Free credit report in Canada: the full guide
• Equifax vs TransUnion: which do lenders use?
• How credit scores work in Canada

Your report from each bureau is free. TransUnion sells monitoring for $24.95 a month plus tax, which at 12 months is $299.40 before tax. It adds alerts, ongoing access and identity protection with up to $1 million in expense reimbursement. That may suit someone who has been a victim of fraud. If you only want to look at your report and check for mistakes, the free routes cover it.

Credit Karma's TransUnion score and report are free, with free monitoring. Its page says it may be paid by third party advertisers, so expect offers for cards and loans next to your score. You do not have to take any.

Sources: TransUnion Canada: home page, consumer disclosure and monitoring (no date shown, last confirmed November 10, 2026); Credit Karma Canada: Does checking your credit score lower it? (no date shown, last confirmed November 10, 2026).

Many people reach the bureaus by searching for a login. Scammers buy ads and build copies of these pages, so slow down at this step.

• Type the company's address yourself or use the link on the FCAC page above. Do not use a link from a text or an email.
• Check the address bar before you type a password or your SIN. A real bureau page does not ask for your bank password.
• Be careful with sites that say "check your credit report and raise your score". Ads that promise a score rise are often selling a paid service. Nobody can raise your score by looking at it.
• Search for a web address we do not list? We could not confirm from TransUnion's page what the address "mytrueidentity" is used for, so go to TransUnion Canada's own page and follow its links from there.
• If you have been sent a code you did not ask for, someone may be trying to open your account. Change your password and ask the bureau to add a fraud alert.

• Fraud and scam protection

Experian is a big bureau in some countries. For Canada, its own page says it discontinued its Canadian consumer credit bureau operations in April 2009. The page also still shows consumer order and dispute forms, which conflicts with that notice, and the notice is the more specific statement. For a Canadian credit report, use Equifax and TransUnion.

Source: Experian: Canada page, notice about its Canadian consumer credit bureau (no date shown, last confirmed November 10, 2026).

Searches like "credit score UK" or "annual credit report" often point to services for people in the United Kingdom or the United States. This site covers Canada only, and our sources are Canadian. If you live in Canada, the two bureaus above are the source of your credit report.

• Read every account. Check names, addresses, balances and dates.
• Found a mistake? File a dispute with the bureau that shows it, and with the other if it appears there too.
• Found a collection or old debt? Check how long it can stay.
• Score lower than you hoped? Our low credit score guide shows the options with or without a job.

• How to dispute a credit report error
• How long collections stay on your report
• Low credit score options with or without a job
• Credit builder products compared