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Canadian Credit Bureaus

A Credit Bureau is a company that collects and distributes information about your personal credit history. Examples of information that may be included in your credit report are the number of credit accounts you have (credit cards, lines of credit, mortgage, etc.), the balance of your credit accounts, your payment behavior, information about personal bankruptcy, loan applications, etc.

Credit Bureaus produce credit reports with individual’s credit history information and the main purpose of these reports is to determine the credit worthiness of the individual. Any individual or company, which can prove that has a justifiable need to see your credit report may purchase the report from the credit bureaus.

You have the right to inspect your credit records and to correct any inaccuracies you find there. You have the right to put a fraud alert on your credit report if you think your identity has been stolen. This fraud alert will tell the creditors to contact you and confirm that you’ve requested credit account, before opening the account.

There are 3 national credit bureaus in Canada – Equifax Canada, Trans Union Canada and Northern Credit Bureaus. Here is the contact information for the 3 Canadian Credit Bureaus:

Equifax Canada Inc.
Consumer Relations Department
Box 190 Jean Talon Station
Montreal, Quebec
H1S 2Z2

TransUnion Canada
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2

Northern Credit Bureaus