|
Ordering
|
|
|
Which Web browser do I need to place an order?
|
|
What are the different ways credit data is reported?
|
|
Am I eligible for a free credit report?
|
|
|
|
Which Web browser do I need to place an order?
|
|
Important information about your Web browser:
|
|
The quality and success of your online experience depends on your Web browser. A Web browser is a program that allows you to graphically view pages on the World Wide Web. The two most common Web browsers are Firefox (TM) and Microsoft Internet Explorer (TM).
|
|
|
|
Security:
|
|
This site supports 128-bit encryption. In order to safely use this site, your browser must support encryption. Please see our browser recommendations below to ensure that your visit is safe and secure.
|
|
|
|
Browser Version Recommendations:
|
|
Click on a link below for a FREE download of the latest browser of your choice.
|
|
|
|
|
| Firefox
|
| Version 3 or newer recommended.
|
|
|
|
|
|
| Microsoft Internet Explorer
|
| Version 6 or newer recommended.
|
|
|
|
|
|
Back To Top
|
|
|
|
What are the different ways credit data is reported?
|
|
There are many terms used to describe a report that provides credit information. There are two basic types of credit reports, a consumer version and a business version.
|
|
|
|
Consumer Disclosure
|
|
You are the only one who has access to the consumer version, called a "Consumer Disclosure". Creditors do not have access to this version. Unlike the business version, a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit related inquiries, as well as your own inquiries. Provincial consumer reporting legislation outlines a consumer's right to obtain a copy of their consumer disclosure, free of charge, by requesting this information to be supplied through the mail. It is important for you to know what is in your credit report and understand your consumer rights.
|
|
|
|
Business Version
|
|
The business version is an abbreviated version of a credit report. This is the credit report that creditors do see. The business version does not contain account management inquiries, non-credit related inquiries, or your personal inquiries to obtain a copy of your credit information.
|
|
|
|
As many consumers are now seeking many of the same services that are provided to creditors, a revised business version of the report was created for consumer use. TransUnion provides this report to consumers and titles it a "Credit Profile". This profile contains all the information that would be supplied to a creditor, but delivers it in a format that is easy to read and understand.
|
|
|
|
Back To Top
|
|
|
|
Am I eligible for a free credit report?
|
|
Residents of Canada are entitled to a free copy of their TransUnion Consumer Disclosure Report. This service is available by visiting one of TransUnion's offices across Canada or by mailing in a request.
|
|
|
|
If you have had an application denied within the last 60 days and a TransUnion credit report was used in the decision process, you are entitled to discuss your credit file with a TransUnion associate, by dialing 1-800-663-9980. Residents of Quebec, please contact 1-877-713-3393.
|
|
|
|
- To obtain a copy of your Consumer Disclosure report from TransUnion -
|
|
|
|
Visit here
|
|
|
|
For all provinces except Quebec:
|
|
Telephone 1-800-663-9980
|
|
8:00 AM until 8:00 PM EST, Monday to Friday
|
|
|
|
Or write to:
|
|
TransUnion Canada
|
|
Consumer Relations Centre
|
|
P.O. Box 338, LCD 1
|
|
Hamilton, ON
|
|
L8L 7W2
|
|
|
|
For Quebec residents:
|
|
Telephone 1-877-713-3393 or (514) 335-0374
|
|
8:30 AM until 5:00 PM EST, Monday to Thursday
|
|
8:30AM until 4:30PM EST Friday
|
|
|
|
Or write to:
|
|
TransUnion Canada Centre de relations aux consommateurs
|
|
1 Place Laval, suite 370
|
|
Laval, QC
|
|
H7N 1A1
|
|
|
|
To receive a copy of your Consumer Disclosure report TransUnion requires the following information:
|
-
Your full name
-
Present address
-
Previous address, if present address is less than 2 years
-
Phone number (optional)
-
Date of Birth
-
Place of employment (optional)
-
Social Insurance Number (optional)
-
Your signature
|
|
|
|
TransUnion also requires both sides of two pieces of photocopied identification; one must include a signature. Examples of acceptable identification include driver's licence, birth certificate, passport and/or credit cards. If more than one member of your household is requesting their file, each individual must supply a separate request and include all of the above information.
|
|
|
|
- To obtain a copy of your credit report from Equifax -
|
|
Please visit
http://www.equifax.com/EFX_Canada/contact_us/index.html
|
Back To Top
|
|
|
(c) Copyright 2012 TransUnion Interactive All Rights Reserved.