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Getting your free credit report Canada is not that different to the process
of getting it when you are an American citizen. There are some differences
though and it is important to recognize the areas that are different.
How many times can a Canadian citizen get their credit rating?
This is where the main difference is apparent between America and Canada.
Where an American citizen can only get their credit ratings once a year from
a credit company, in Canada you can get as many as you like every year for
free. The requirement for this is, is that the Canadian citizen must apply
for their free credit rating in writing rather than online or over the
telephone. Any requests made to see the free credit report will show up on
the credit report but it will not make any deductions or improvements on the
requested credit report.
What else can you get when in Canada?
The Canadian government will send you a publication which is called
‘Understanding Your Credit Report and Credit Score’ and this publication will
arrive with your credit report when requested. This publication is very
useful as it explains everything you need to know about your credit score. So
when you apply for your free credit report Canada, you will also be able to
read it properly.
This publication will also show you how to codes and read any notations
contained within. It also has a very useful section that explains how you can
improve your credit score, and see signs on your account that indicate
towards identity theft and fraud. You can either see this report online or
ask for it to be sent to you free of charge.
How to check the report
It is beneficial for everyone to request a credit report at least twice a
year. This allows you to keep on top of your credit score and check for
inconsistencies and incorrect items. Remember to request your credit score
from all of the credit bureaus not just the one. Each credit company may have
different items on and you can then see if there is anything on there that
shouldn’t be.
When you are requesting your free credit report Canada, remember that you
have the ability to order as many times as you like. This doesn’t mean you
have to do it every week or month. Twice or even once a year will suffice to
keep on top of things. Always remember to send for all three credit reports
though as they could hold vital information that proves useful to you and
your credit score.
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