How Often Can We Obtain Free Credit Report?

JMik wrote: ↑You can request them as often as you'd like, but the agencies deliberately take weeks to fulfill the requests unless you pay them.

You're better off signing up for Credit Karma (for Transunion) and Borrowell (for Equifax) which are both free services that will allow you to see your full report and give you weekly or monthly updates on them.

hwyc2007 wrote: ↑ It's rather routine once you've get beyond the first report.

TransUnion is once a month (instant online download).
Equifax remains once a year (I use automated phone method & got paper in mail within a week sent from Quebec to Ontario)

➡ https://www.canada.ca/en/financial-cons ... eport.html

Hope this helps.

Emily0123 wrote: ↑ Lol so is it as often as we’d like or once a year then? I keep seeing conflicting information on searches and now here as well haha.

I prefer to do the mail in option to the bureaus themselves rather than giving personal information to third parties.

https://secure-ocs.transunion.ca/secureocs/credit-agree.html

someweirdo wrote: ↑ Once a week for your simplified credit reports from Credit Karma, which gets its information from Transunion, and Borrowell, which gets its information from Equifax. Borrowell updates only once a month for many people, though. They also give you credit scores, but they're not scores that many lenders care about.

If you get your credit reports, a.k.a. consumer disclosures, directly from Transunion or Euifax, they won't give you credit scores, but they'll give you much more detailed information, including your soft credit checks. Transunion will give this to you up to once a month through this page:

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https://secure-ocs.transunion.ca/secureocs/credit-agree.html

Equifax will give it to you up to once a year and requesting it is a longer, more annoying process, which you can read about here.

someweirdo wrote: ↑ Equifax will give it to you up to once a year and requesting it is a longer, more annoying process, which you can read about here.

hvwkzq wrote: ↑ Once every 12 months limit is for the US, and many people mistakenly believe it is the same in Canada. You can request it as often as you want in Canada.