home  |  français  |  privacy  |  help  |  learning centre  |  login  



home
privacy
Help
Learning Centre


FAQ & Related Links
 
Can't find an answer to your question? Contact the Customer Service Team for assistance
 
FAQTermsContact Us

Top 3 QuestionsOrderingLogging InPaymentIdentity SecurityAccount Information
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

go to TransUnion  |  other services  |  français  |  privacy  |  help  |  learning centre  |  login  |  terms of use  |  affiliate
   (c) Copyright 2014 TransUnion Interactive All Rights Reserved.