I'm trying to determine what credit freeze and reporting options are available in Canada. In the United States it seems freezing your credit requires contacting all of the credit bureaus. I have not, however, found a conclusive and exhaustive list of consumer credit reporting agencies in Canada.

Wikipedia implies that TransUnion Canada and Equifax Canada are the only two Canadian credit reporting agencies. However, there are no substantiating citations.

  1. Are Equifax Canada and TransUnion Canada the only consumer credit reporting agencies in Canada?

This CBC article uses the term "national credit bureau":

You can ask for a free copy of your credit file by mail. There are two national credit bureaus in Canada: Equifax Canada and TransUnion Canada.

  1. Are there consumer credit reporting agencies in Canada who are not "national"?

1 Answer 1

  1. They are the only agencies cited in the Office of Customers Affairs - here https://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02179.html and everywhere else in their website:

"Along with the credit histories of millions of other people, your credit history is recorded in files maintained by at least one of Canada's major credit-reporting agencies: Equifax Canada and TransUnion Canada."

  1. I never heard of any other credit reporting agency in Canada and a search didn't return any other different from Equifax and TransUnion.

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