Access your free consumer disclosure online today

A consumer disclosure is a detailed report of all the information on your credit file. The consumer disclosure is only available to you after successful authentication of your identity. It contains additional data not provided in your Credit Report and serves as a great credit check.

What is a Consumer Disclosure?

A Consumer Disclosure is a complete account of all the information on your credit file, as mandated by consumer reporting legislation, available at no cost to you. Unlike the version supplied to a business that purchases TransUnion services, which is referred to as a "Business Version," a Consumer Disclosure lists all inquiries made to your credit information, including account management inquiries, non-credit-related inquiries and your own inquiries.

What is a Credit Report?

Unlike your free Consumer Disclosure, your TransUnion Credit Report is a Business Version of the Consumer Disclosure and includes your credit score and unlimited monitoring for a fee. The Credit Report information is the same information that is in a Business Version, which is an abbreviated version of the Consumer Disclosure. The Business Version is the credit report that creditors do see. The Business Version does not contain account management inquiries, non-credit related inquiries, or your personal inquiries to obtain a copy of your credit information.

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What is the difference between a Consumer Disclosure and a Credit Report?

  • A Consumer Disclosure is a complete account of all the information on your credit file, as mandated by consumer reporting legislation which is available at no cost.
  • Your TransUnion Credit Report is a Business Version of the Consumer Disclosure and includes your credit score and unlimited monitoring for a fee.
How do I obtain a free Consumer Disclosure if I fail to authenticate Online?

You have the right to obtain a copy of your Consumer Disclosure, free of charge by phone, mail or in person.

Mail: Simply fill out a form and mail your request for a free copy of your Consumer Disclosure.

In Person: Visit one of our provincial consumer offices to receive a free copy of your Consumer Disclosure.

By Phone: You may also request your free Consumer Disclosure by phone using our Interactive Voice Response system:
1(800) 663-9980 (Prompt 1)

Why is my score not included in my Consumer Disclosure?

A credit score is not "information" maintained on your credit file and therefore does not form part of the Consumer Disclosure requirement outlined in applicable provincial consumer reporting legislation. Please note that the TransUnion credit score is only available in an Online format at a fee.

How often can I obtain my Consumer Disclosure Online?

TransUnion allows you to obtain a copy of your Online Consumer Disclosure once per month. If your file is under investigation, you can view a copy of your Consumer Disclosure upon completion of your investigation.

How can I get my score?

TransUnion Interactive provides consumers with the ability to purchase their credit score by visiting www.TransUnion.ca

How do I correct or dispute inaccuracies on my credit file?

If you notice an error on your TransUnion Consumer Disclosure or Credit Report, you can ask TransUnion to correct it at no charge. Learn more here

How do I protect myself against Fraud and Identity Theft?

Explore tactics to help prevent one of the fastest growing crimes. We'll help you learn to identify fraud early and respond quickly to limit damages. Learn more

Can I save a copy of my TransUnion Online Consumer Disclosure on my computer?

In order to keep your personal information secure; TransUnion does not recommend saving a copy of your Consumer Disclosure on your personal computer.

Is there a time limit to my session?

To receive access to your information, you are required to complete the request in one session. If the system detects an extended period of inactivity it will deactivate your session.

Is there a time limit to complete my request for an Online Consumer Disclosure?

Yes. The system will detect inactivity of greater than 15 minutes and redirect you to the home screen if no further activity occurs. It is important to note, once your identity has been successfully authenticated, it will count toward your eligibility to receive your annual Online Consumer Disclosure. Therefore, it is recommended to complete your request in one session.

How do I know your site is safe?

We recommend taking the following steps before the site to request your Online Consumer Disclosure, please check the following:

  • Check the lock in the URL to ensure the certification is for TransUnion
  • Do not reply to any email that requests your personal information
  • Look for misspelled words, symbols in the URL or webpage itself
  • Contact TransUnion immediately and report your suspicions

Why are some of the words displayed not fully translated on my Consumer Disclosure or the questions presented?

The information in your credit file appears in the language in which it is reported to TransUnion by your creditors.

How do I learn more about your Accessibility policy?

TransUnion is committed to meeting the needs of people with disabilities. If you seek additional information on Accessibility at TransUnion, Click here.

Fraud Related

What is a Potential Fraud warning?
The Potential Fraud warning requests that companies viewing your information contact you, by the phone number(s) you provided in your warning, to perform further due diligence prior to extending a service or credit.
How long does a Potential Fraud warning stay on my credit file?
The statement remains on your file for a period of 6 years from the date reported or from the last updated date (i.e. renewal or update).
How can I update my contact information in my Potential Fraud warning?
To change the contact information in your fraud warning, simply . Click here.
How do I renew or remove my Potential Fraud warning?
To remove the warning from your credit file or extend its expiration, simply. Click here.
I was not successful in authenticating my identity. What other options are available to me to request a Potential Fraud warning?
If you are unsuccessful in authenticating your identity, please Click here to download and submit a Request for Potential Fraud Warning Form.
What is SIN Protection?
Your Social Insurance Number (SIN) will be added to a protective database as Lost/Stolen to alert customers that subscribe to this product.
How do I renew or remove SIN Protection?
To renew or remove SIN Protection, simply . Click here.
How long does SIN Protection remain in place?
The SIN Protection remains in our protective database for 1 year from the date reported and/or last updated (i.e. renewal, hit or update).
How much does this service cost?
A Potential Fraud warning costs $5.00 + provincially applicable taxes. SIN Protection only is $1.00 + provincially applicable taxes. A Potential Fraud warning & SIN Protection is $6.00 + provincially applicable taxes. We do not charge for warning renewals, updates or removals.
What payment option is acceptable?
Payment can be made by Visa or MasterCard only. TransUnion also accepts prepaid Visa or MasterCard gift cards, as well as payment from a third party if they wish to provide their credit card information and sign for authorization. TransUnion does not accept cheques, cash, money orders or retail gift cards.
How do I protect myself against Fraud and Identity Theft?
Explore tactics to help prevent one of the fastest growing crimes. We'll help you learn to identify fraud early and respond quickly to help limit potential damages. Learn more
How can I place a fraud warning if I hold Power of Attorney for a consumer?
TransUnion cannot flag or change a consumer's credit file without the consumer's knowledge. Therefore, Power of Attorney papers, two pieces of the consumer's identification and two pieces of the Power of Attorney's identification needs to be mailed into our office at Click here for our contact information. This is to ensure the Power of Attorney is current and valid. If the appropriate information has been supplied and is correct, the file and fee will be processed. Click here to download a Request for Potential Fraud Warning Form.
How can I place a fraud warning on a deceased consumer file if fraud has occurred?
In order to release personal information on a deceased person, TransUnion requires a copy of the Death Certificate or the will/certificate of appointment, stating that this person is the next of kin or executor/executrix. Mail your request along with two pieces of the identification of the next of kin or executor/executrix requesting the file as well as one piece of identification for the deceased that verifies address to our office at Click here for our contact information. If the appropriate information is given, the file and fee will be processed. If the Death Certificate has a Social Insurance Number (SIN), the SIN will be added to our protective database to indicate that the SIN is deceased. The SIN number will remain in a protective state indefinitely and a note will also be placed onto the credit report to indicate that the consumer is deceased. Click here to download a Request for Potential Fraud Warning Form.
What is the age of Majority in my Province in which I can place a fraud warning on my file?
TransUnion does not maintain credit records for individuals under the age of majority in their current province of residence. You must be the age of majority in your province in order to place a fraud warning. The age of majority in the individual provinces and territories of Canada is as stated below:
  • Province
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Nova Scotia
  • Ontario
  • Prince Edward Island
  • Quebec
  • Saskatchewan
  • Northwest Territories
  • Nunavut
  • Yukon
  • Age of Majority
  • 18
  • 19
  • 18
  • 19
  • 19
  • 19
  • 19
  • 19
  • 18
  • 18
  • 18
  • 18
  • 19
How do I protect my child from fraud?
If your child's Social Insurance Number(SIN) has been lost, stolen or misused, TransUnion will add it to a protective database to help prevent misuse by alerting customers that subscribe to that product. To request Social Insurance Number(SIN) Protection for your child, please provide a signed request along with their Social Insurance Number(SIN) and mail the request to our office at Click here for our contact information
How do I report a company or government breach?
In the unfortunate event that you are a victim of a company or government breach you may wish to notify TransUnion, so that we can contact the organization and attempt to arrange protection on the credit files of the victims involved. Click here for contact information on TransUnion.
More information
For more information please Click here

Web/Technical Related:

Is it safe to provide my personal information Online?

TransUnion understands the confidentiality of the information contained in your Consumer Disclosure, and we safeguard the privacy of all information you provide. To ensure your credit information remains secure and confidential, TransUnion recommends you use TLS 1.2 encryption.

What if I do not have Adobe Acrobat?

Simply click on the link provided in order to safely download your free Adobe Acrobat. You will need to install the PDF Reader in order to facilitate your request.

If you have technical issues supporting Adobe, we recommend contacting the provider or refer to this link https://get.adobe.com/reader/

What internet browsers are supported?
  • Internet Explorer 11
  • Chrome (latest)
  • Firefox (latest)
  • Safari

Note: If a page is not displaying in full, we recommend you check compatibility mode settings.

What are cookies and how are they used on your site?

When you order your Online Consumer Disclosure, we use cookies to time your session. Cookies are small files which are stored on a user's computer. They are designed to hold a modest amount of data specific to a particular client and website, and can be accessed either by the web server or the client computer.

Financial Literacy Centre

Learn more about your Credit Report and why it is important. TransUnion has the information to empower you to make better financial decisions.


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