What You Need To Know About A Free Credit Report - Canada

Canadian laws are very similar to US laws when it comes to credit.  You can obtain a free credit report in Canada just like you can in the United States.  You can apply to the same three agencies, which are Transunion, Experian and Equifax to get your free credit report.  Canada has its fair share of con artists and identity thieves so it is imperative that you keep track of your credit report at least once a year.

Most people are not aware of identity theft until it happens to them.  They think it sounds like something out of a spy novel.   Identity theft is very common in Canada as well as other parts of the world.  A thief uses your information that is usually obtained in some nefarious manner, to apply for credit in your name.  He has the information, such as the credit card, routed to some other address.  The address can even be in the United States. 

Once the identity thief has the credit card in your name, he can use it to buy goods and return them for cash or simply to continue opening up more accounts in your name.  Some identity thieves will steal a lot of different identities and keep moving around to avoid getting caught.  Some will go full throttle and take out loans and even mortgages under an assumed name to get more cash.  This happens throughout the world, but especially in countries like Canada, the United States and the United Kingdom where credit is often relied upon as a sign of good intent.

You can get your free credit report in Canada each year from the three reporting agencies.  It is important to do this so that you can stave off any attempts to steal your identity.  Identity theft can happen to anyone.  People go through garbage to get information about people and even go through their mail.  Anyone can be a target of such thieves.  The one way that you can prevent it is to get a free credit report.  Canada is very strict about prosecuting such thieves, so if you are the victim of identity theft, you must report it right away.

You can go online and get your free credit report.  Canada citizens can obtain their credit report either directly from the reporting agencies or through websites that are available to get all three reports at one time and in a short amount of time.  These websites often charge a fee for this service, but will also provide you with your credit score and will give you expedient service.  If you feel as though you have been the victim of identity theft, or have recently lost a purse or wallet, you should get a free credit report.  Canada is no different than any other country when it comes to identity theft.  This crime is worldwide. 

Protect yourself by getting your free credit report today.  If you want to get one right away, you can do a search for “free credit report Canada” and find dozens of websites that will assist you  in getting your credit reports.  It is worth any small fee to make sure that you are protected. 

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