Free Resource

Equifax Credit Report
Walkthrough

How to obtain your Equifax Credit Reports — step-by-step guidance from the CanFi team.

There are four main ways to obtain your Equifax credit reports in Canada:

1. Online

Fastest

2. By Phone

Slower

3. By Mail

Slowest

Before you begin — please remember:

1. DO NOT PAY MONEY

It is free to obtain your credit reports in Canada. The credit reporting agencies will constantly try to make you believe you have to pay money to receive your credit reports. At any point you are asked to pay please decline and save your money.

2. EXPECT PROBLEMS

If you have never registered with Equifax before, it may take a couple of attempts. This is normal. Examples of potential problems:

  • •You fail your identity authentication questions
  • •You already have an account with Equifax
  • •Your credit account is locked due to reports of fraud
  • •Your account was part of a security breach in the past
  • •The identification entered does not match what Equifax has on file
  • •You do not have an Equifax credit file

3. WHY BOTHER

In Canada, there are two main credit reporting agencies: Equifax and TransUnion. When you apply for credit, lenders access your information directly from one of these agencies. Because you can't be certain which agency a lender will use, it's important to regularly obtain, review, and verify that both credit reports are accurate and up to date.

4. CANADIAN PRIVACY LAWS

The same laws that protect your identity also prevent companies like CanFi from accessing your credit reports on your behalf. That's why CanFi programs are designed to empower you—the consumer—to take control, self-advocate, and confidently navigate the credit system.

1

Online through the Equifax Website

Fastest method — recommended first

  1. 1Watch the walkthrough videos below
  2. 2Click the Equifax link below the videos
  3. 3Open your CanFi email with your Equifax VIP Code
  4. 4Begin to register with Equifax
  5. 5Use your CanFi Equifax code to obtain VIP Premium access
  6. 6Move onto Step 2 if required

VIP Premium Access Includes:

  • •12 months of free access to your credit reports
  • •12 months of your Equifax score — to track your credit rebuilding progress
  • •12 months of credit watch
  • •VIP access to your Equifax report to fix credit errors

Equifax Walkthrough — Part 1

Equifax Walkthrough — Part 2

Equifax Credit Report Link

equifax.ca/activate

Open Equifax
2

Call Equifax

When online access doesn't work

We recommend calling Equifax only when a consumer has attempted Step 1 first and been unable to obtain their credit report, OR if they already know their credit account with Equifax is locked.

Equifax Toll Free Number

1-800-465-7166

During Step 1, Equifax may provide a technical support telephone number. Please call that number first if you were not able to complete Step 1.

Need More Help?

Book a support call with a CanFi customer support specialist. We're here to help you every step of the way.

Book a Support Call