Obtaining your credit reports: If you're a resident of Ontario, and if you want to receive one of your credit own reports, the good news are that they're free. Another good news is that they have to send it to you within 30 days. Even if you ask for a report every month. Even if you ask for it for no reason at all. You don't need to be turned down for credit, if you want your free report!
As to getting your credit reports, the bad news is that here in Ontario the process has become increasingly impersonal and increasingly long-distance. Even if you live in the financial capital of Canada, you will find the credit bureaus are not located here. They've left town. They moved out of town.
1 ) Experian Canada:
They've gone out of business.
2 ) TransUnion Canada
They moved to Hamilton, ON.
Consumer Relations Centre
P.O. Box 338, LCD 1
Hamilton, ON
L8L 7W2
1.800.663.9980
1.905.527.0401
When I called, this 800 number was answered by a live operator.
3 ) Equifax Canada:
They used to be at 60 Bloor Street West in Toronto. I used to be able to walk into that office. Not any more! Just to make it easier on 10 million consumers of Ontario, they left us and moved out of town, out of province, and now can be addressed in care of a Post Office box in Montreal. And they may not even be in Montreal! The only thing that you can count on are the inherent negativity of the Francophone culture, the geograpical distance and a bunch of naysayers, if you attempt to to deal with them! Try:
C.P./P.O. Box 190,
Station Jean-Talon
Montreal, QC
H1S 2Z2
1.800.465.7166
1.514.493.2314
1.800.267.2272
When I called, the 800 number directed me to their web site and hanged up on me. The 514 number also directs you to their web site and hangs up on you. The second 800 number claims you're not calling from Canada, and hangs up on you.
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