There are 2 major credit reporting agencies in Canada: Equifax and Transunion. Usually you would have to pay to check your credit score, and when you check it through a bank/mortgage broker or apply for a credit card, there is a record of this check. If you do many credit checks over time, this will eventually lower your credit score.
However, you can call Equifax and get them to mail you a free copy of your credit report once a year, without hurting your credit score. This report does not show your actual credit score, but it will show you all the items and who has been checking your file. You can go through these items and make sure they are accurate and there are no fraudulent activities on your credit file.
Remember to keep a good handle on your credit file so the next time you apply for any credit, your score should be good and well-maintained.
Equifax’s phone number is 1-800-465-7166. Feel free to give us a call at 1-866-521-9557 if you have any questions.