Free credit report - and the Alberta score catch
Financial Consumer Agency of Canada
Both national credit bureaus provide your credit report free. The score is a different product and the rule is provincial: Equifax provides it "free in all provinces and territories"; TransUnion provides it "free if you live in Quebec or Ontario (as part of your Consumer Disclosure)."
The catch: In Alberta that means the report is free from both bureaus and the score is free from Equifax only - the TransUnion score is a paid product here. Neither bureau volunteers the free route, and both sell a monitoring subscription alongside it that is easy to sign up for by accident while looking for the free disclosure.
At a glance
- Worth
- Not a cash amount
- Effort
- Form
- Time to money
- Not recorded
- How it arrives
- In kind
- How often
- Standing
- Proof needed
- Identification
- Where
- Canada
- Last checked
- 12 August 2026
Mandated-free: an obligation on the bureaus rather than a funded program.