Software

When using "free" services outside of the official bureaus, be cautious:

: Details on credit cards, mortgages, car loans, and mobile phone accounts, including your payment history and credit limits.

: Records of unpaid debts that have been sent to collection agencies. 3. Key Factors Impacting Your Score

: You can visit local offices of Equifax Canada or TransUnion Canada . You must provide at least two pieces of government-issued identification. Online Access :

: Your name, date of birth, current/previous addresses, and Social Insurance Number (SIN).