A credit report is the statement of the financial status of a person, like the debt of the person, how he pays his bills, etc. the credit report are useful to the sellers when you a property, or to the banks when you apply for a loan, or to the companies when you apply for a credit card. The Canadian government provides free copy of the credit report whenever requested any number of times in a year, provided the request is made in writing and the copy is asked to be delivered through mail.

The Canadian credit report consists of the details like

1. Name
2. Address
3. Telephone
4. Social insurance number
5. Date of birth
6. Employment

The credit history consists of details of the credit accounts, loans, timely credit payments, late credit payments, etc.

To get free Canadian credit report you must be a Canadian citizen. This is the primary requirement. Next while applying for the free Canadian credit report two photocopies of an identification card must be attached. The acceptable identities are driving license, birth certificate, passport, credit card, citizenship card, and bill statement like gas or telephone. The application for free Canadian credit report can also be made online now-a-days.

The Canadian free credit report is the document that is to be submitted for any financial assistance you ask for. So this is an important document. But the procedure of getting Canadian free credit card being easy, it does not pose a big problem. Free Canadian credit reports are not only useful for getting financial assistance, it is also used to check fir any discrepancies in the credit status. This can be used to make corrections and to dispute the wrong information.

Free Canadian credit reports can be obtained from one of the three listed below.

1. Northern credit bureau
2. Equifax canada
3. Trans union of canada

If the orders are made online a fee is charged by the credit bureaus. But it is best to order and receive through mail. The credit rating of an individual is determined by payment history, control of debt, credit inquiries, credit cards that are not used, utilization of credits, and signs of stability.

The government issues a free publication called understanding your credit score and rating. This gives all the details. A sample credit report is given. The codes used are explained. This is available at the Financial Consumer Agency of Canada.