If you have credit cards or loans in Canada, you already have credit profile in the 2 largest Credit Bureaus in Canada: Equifax and Transunion. You can access your Canadian credit report and credit score at no cost.

Equifax

You can access Equifax credit report and credit score through:

• Equifax: You will have to manually request your credit report every time you want to access it
• Borrowell: You will receive your updated credit report and credit score weekly

Transunion

• Transunion: You will have to manually request your credit report every time you want to access it
• CreditKarma: You will receive your updated credit report and credit score weekly

In addition, some Canadian banks mobile app and online banking provide access to your Equifax or Transunion credit report and credit score weekly.