Canadian Money Advisor 2005

Helping Canadians Understand Their Money & Personal Finance since 2005

ORDER YOUR CREDIT REPORT IN CANADA

Canadians - There are four ways to order your credit report.
1) We can order them for you as part of our paid service at no additional charge.
2) We can order them for you for $35.00 and save you all of the hassles. You'll receive these copies by mail.
3) You can mail in for your credit reports for FREE at the addresses listed below. Mail takes 3-4 weeks to receive.
4) You can order your reports FOR A FEE at the credit bureaus' web sites. The Internet report is received instantly. You have to answer some security questions before they are displayed. (Make sure you select PRINTABLE VERSION. This gives us the full details of your credit report.)


WE ORDER YOUR CANADIAN CREDIT REPORT(S)
If you want us to order your credit reports and you ARE NOT ordering any other service, our price is $35.00
*This service is great if you want a hassle free way to see your credit reports. Delivery time is 2-4 weeks. You'll need to provide us 3 pieces of ID as required by the credit reporting agencies.


ORDER YOUR CANADIAN CREDIT REPORTS FOR FREE BY MAIL:

FOR CONSUMERS IN CANADA
Equifax Canada Inc.
Consumer Relations
P.O. Box 190
Station Jean Talon
Montreal, Quebec CANADA H1S 2Z2

You may request a FREE copy of your TRANSUNION Personal Credit Report by mail.
Please write to:
TransUnion of Canada, Inc.
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON CANADA
L8L 7W2

INTERESTING NOTE: TransUnion's mailing address information is public information and is available to everyone by checking with the Ministry of Justice. TransUnion is registered in each province as a Credit Reporting Agency and must list this information. TransUnion has threatened to sue Express Credit Repair for using copyright materials from their website which explain to people how to order their credit reports. We feel that it is important to use exactly what is listed on TransUnion's website as a reference to their ordering protocols. We feel that people should be able to receive their credit reports the first time they order it. We have had several clients wait several months for their credit reports by mail from TransUnion. These clients had to order and re-order their credit reports. We're asking TransUnion to give us a straight forward system that everyone can use to get their credit reports the first time every time without the long and unreasonable wait.

Express Credit Repair's research has allowed us discovered that you can receive a copy of your TransUnion credit report in Canada by giving them the following information:

First, middle, and last name (including Jr., Sr., III)
Current address
Date of birth
Previous addresses in the past two years, if any
Social Insurance Number (optional)
Current employer (optional)
Signature
Phone number (optional)

After researching appropriate ID's Express Credit Repair has found that TransUnion favors the following types of Identifications:
Both sides of two pieces of photocopied identification from the following list:
Age of Majority/Provincial ID
Certificate of Indian Status
Drivers License
Citizenship card
Department of National Defence Card
Passport
Credit Card (Primary account holder)
Fire Arms Acquistion (only with photo)

IF YOU'RE NOT COMFORTABLE WITH SENDING TRANSUNION ANY OF THE ABOVE INFORMATION PLEASE CONSULT WITH AND COMPLAIN TO THE MINISTRY OF JUSTICE - CONSUMER PROTECTION DEPARTMENT IN YOUR AREA. THEY NEED TO BE INFORMED OF THE DIFFICULTIES YOU'RE FACING IN ORDERING YOUR CREDIT REPORTS. You can call ECR as well and have us order your credit reports for a small fee. We'll work through the bureaucracy for you as part of our service.

ECR has had to edit this area of the portion of ordering your credit reports because of a potential lawsuit by TransUnion. We feel that all of the information listed on this page is public information and thus is not copyright.

If you live in Quebec and would like to order your credit report please use the following address:
These credit reports should be available in French as well as English.
TransUnion (Echo Group)
1600 Henri Bourassa Boul Ouest
Suite 210
Montreal, PQ
H3M 3E2
Or one of the above along with one of the following:
Credit card (secondary account holder)
Birth Certificate
T4 Slip
Social Insurance Number (optional)



Notes about ECR's Frustration: It is ECR's opinion that TransUnion is trying to make it as difficult as possible for you to order your FREE credit reports by mail. The law states that every registered Credit Reporting Agency must provide every Canadian citizen with a free credit report upon request. It is not legislated as to how many hoops that TransUnion or Equifax can make you jump through in order to get your credit reports. (We're currently addressing this problem) Credit Bureaus want you to pay for your credit reports and credit scores online. We encourage you to let your consumer protection branch know what's going on with the status of your trying to get your credit reports.

Once again, you can call ECR as an option and have us order your credit reports for a small fee. We'll work through the bureaucracy for you as part of our service.