Equifax Vs Transunion

Free tool

2026 updated

Canada

Equifax vs TransUnion in Canada — Which Score Matters?

Canada has two consumer credit bureaus: Equifax Canada and TransUnion Canada. They each maintain a separate file on you, calculate a separate score, and serve a different mix of lenders. Here's everything you need to know about both.

Side-by-side comparison

Attribute	Equifax Canada	TransUnion Canada
Score range	300–900	300–900
Scoring model	FICO-based (Equifax Risk Score 2.0)	FICO-based (TransUnion CreditVision)
Free score via	Borrowell (weekly)	Credit Karma Canada (weekly)
Major banks pulling	RBC, TD, EQ Bank, Tangerine	CIBC, Scotia, BMO, Simplii
Free annual report	Yes (by mail or online)	Yes (by mail or online)
Dispute window	30 days legally	30 days legally
Negative info retention	6 years (most provinces)	6 years (most provinces)

Why your scores differ between bureaus

1. Not all lenders report to both

Many smaller credit unions, store cards, and finance companies report to only one bureau. Your file at the other bureau is missing those accounts.

2. Update timing

A payment that posts at Equifax this week might not appear at TransUnion until next month. Different update cycles = different point-in-time scores.

3. Algorithm tuning

Both use FICO weights but each has small calibration differences for thin files, recent inquiries, and account age. A 20–50 point gap is normal.

How to dispute an error at each bureau

Equifax Canada

Go to consumer.equifax.ca and create an account.
Pull your free credit report.
Click "Dispute information on report" next to the error.
Upload supporting docs (statements, payment confirmations).
Equifax has 30 days to investigate and respond.

TransUnion Canada

Go to transunion.ca → Credit Disputes.
Submit dispute online (faster) or by mail using the Consumer Disclosure Request form.
Attach proof — payment receipts, court orders, ID theft reports.
30-day legal investigation window applies.
Re-pull your report after 35 days to confirm fix.

FAQ

See which bureau your bank uses: Credit Score by Bank →

GST/HST CalculatorAdd or remove sales tax by provinceTry it →Mortgage CalculatorMonthly payments and amortizationTry it →CCB CalculatorCanada Child Benefit estimatorTry it →

Equifax Vs Transunion

Free tool

2026 updated

Canada

Equifax vs TransUnion in Canada — Which Score Matters?

Side-by-side comparison

Attribute	Equifax Canada	TransUnion Canada
Score range	300–900	300–900
Scoring model	FICO-based (Equifax Risk Score 2.0)	FICO-based (TransUnion CreditVision)
Free score via	Borrowell (weekly)	Credit Karma Canada (weekly)
Major banks pulling	RBC, TD, EQ Bank, Tangerine	CIBC, Scotia, BMO, Simplii
Free annual report	Yes (by mail or online)	Yes (by mail or online)
Dispute window	30 days legally	30 days legally
Negative info retention	6 years (most provinces)	6 years (most provinces)

Why your scores differ between bureaus

1. Not all lenders report to both

Many smaller credit unions, store cards, and finance companies report to only one bureau. Your file at the other bureau is missing those accounts.

2. Update timing

A payment that posts at Equifax this week might not appear at TransUnion until next month. Different update cycles = different point-in-time scores.

3. Algorithm tuning

Both use FICO weights but each has small calibration differences for thin files, recent inquiries, and account age. A 20–50 point gap is normal.

How to dispute an error at each bureau

Equifax Canada

Go to consumer.equifax.ca and create an account.
Pull your free credit report.
Click "Dispute information on report" next to the error.
Upload supporting docs (statements, payment confirmations).
Equifax has 30 days to investigate and respond.

TransUnion Canada

Go to transunion.ca → Credit Disputes.
Submit dispute online (faster) or by mail using the Consumer Disclosure Request form.
Attach proof — payment receipts, court orders, ID theft reports.
30-day legal investigation window applies.
Re-pull your report after 35 days to confirm fix.

FAQ

See which bureau your bank uses: Credit Score by Bank →

GST/HST CalculatorAdd or remove sales tax by provinceTry it →Mortgage CalculatorMonthly payments and amortizationTry it →CCB CalculatorCanada Child Benefit estimatorTry it →

Equifax Vs Transunion

Equifax Vs Transunion

Equifax vs TransUnion in Canada — Which Score Matters?

Side-by-side comparison

Why your scores differ between bureaus

1. Not all lenders report to both

2. Update timing

3. Algorithm tuning

How to dispute an error at each bureau

Equifax Canada

TransUnion Canada

FAQ

You might also like

Equifax Vs Transunion

Equifax vs TransUnion in Canada — Which Score Matters?

Side-by-side comparison

Why your scores differ between bureaus

1. Not all lenders report to both

2. Update timing

3. Algorithm tuning

How to dispute an error at each bureau

Equifax Canada

TransUnion Canada

FAQ

You might also like

Equifax Vs Transunion

Equifax Vs Transunion

Equifax vs TransUnion in Canada — Which Score Matters?

Side-by-side comparison

Why your scores differ between bureaus

1. Not all lenders report to both

2. Update timing

3. Algorithm tuning

How to dispute an error at each bureau

Equifax Canada

TransUnion Canada

FAQ