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.
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.
Keep on top of your credit with UNLIMITED access to your TransUnion Credit Report and Score.
- 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.
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)
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.
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.
TransUnion Interactive provides consumers with the ability to purchase their credit score by visiting www.TransUnion.ca
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
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In order to keep your personal information secure; TransUnion does not recommend saving a copy of your Consumer Disclosure on your personal computer.
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.
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.
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
The information in your credit file appears in the language in which it is reported to TransUnion by your creditors.
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