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How to order free credit histories / credit reports (Canada)


Look at your reports often

Various sorts of banking/credit fraud/identify theft is increasingly common. Both small-time criminals and organized crime gangs are involved with stealing personal data. As a result they can compromise accounts or open new accounts in your name. For instance someone may open a credit card, line of credit, or even a mortgage under your name.

There may be accounts open under your name that you're not aware of. This can happen through no fault of your own!

You absolutely must order your (free) credit reports periodically. Inspect your credit file in detail and follow up on any errors or frauds you discover.

How to get your free credit report

The Government has a couple web pages, which also describes what to do if you discover fraud:

http://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02197.html

http://www.servicecanada.gc.ca/eng/sin/fraud/fraud.shtml

Both Transunion and Equifax provide free reports by mail, though it can be a bit difficult to navigate the web site to find the correct instructions.

You can also order a free credit history by phone. There's some danger in providing all your personal info by phone of course (don't use VoIP or any potentially insecure line) and I recommend using a land line if possible.

From start to end, it took me 30 minutes to order reports from both agencies.

Here are some tips:



- Perpetual Bull, perpetualbull@gmail.com