The system of credit reports and scores in Canada is very similar to that in the United States, with the same three reporting agencies active in the country (Equifax, TransUnion, North Credit Bureaus [an Experian company]). There are, however, some key differences. One such difference is that, unlike the United States, where a consumer is allowed only one free copy of their credit report a year, in Canada the consumer may order a free copy of their credit report any number of times in a year, as long as the request is made in writing, and that the consumer asks for a printed copy to be delivered by mail. This request by the consumer is noted in the credit report but has no effect on their credit score.

The Government of Canada offers a free publication called "Understanding Your Credit Report and Credit Score". This publication provides sample credit report and credit score documents with explanations of the notations and codes that are used. It also contains general information on how to build or improve credit history, and how to check for signs that identity theft has occurred. The publication is available online at the Financial Consumer Agency of Canada. Paper copies can also be ordered at no charge for residents of Canada.