If you are Canadian and you've ever wondered what your credit file looks like, there are two reports that you can access for free. It appears that obtaining your actual credit score will cost you some money though. Below is what I have requested free of charge. I'll review this material on the moneygardener after I receive it.
"Consumer Disclosure" from TransUnion, requested by mail with copies of both sides of two pieces of ID and the necessary completed form.
Total time commitment = 20 minutes with access to a computer, photocopier, your wallet, pen, envelope, and stamp.
What is a Consumer Disclosure?
A Consumer Disclosure is a complete account of all the information on your credit report, as mandated by consumer reporting legislation. Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a "Business Version," a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries and your own inquiries. The Business Version is an abbreviated version of the Consumer Disclosure. This is the credit report that creditors do see. The Business Version does not contain account management inquiries, non-credit related inquiries, or your personal inquiries to obtain a copy of your credit information.
"Credit Report" from Equifax requested by phone using automated voice recognition system. This is supposed to be mailed to me within 3-5 days.
Total time commitment = 3 minutes with access to a phone and your wallet.
What is a Credit Report?
Your credit report includes personal information such as your name, address, date of birth and Social Insurance Number. It also includes historical data such as current and previous addresses, current and previous employers, and public records like bankruptcies, liens or judgments. Most importantly, your credit report contains your credit card, mortgage and loan payment information. This information is used by lenders to see if you have missed payments, carry high balances, or are in other ways over extending yourself financially. Payment history is the most important factor in your credit rating — so pay your bills on time — even if it is just the minimum balance due each month. Lenders evaluate your credit risk based on information in your credit report. It is a good idea to review your credit report periodically and check for inaccuracies that may have an impact on your credit standing.