1. Call Equifax, 1-800-465-7166 , leave your fax number. In 15 mins, they will fax back an application form
2. fill out the form, plus an ID (SIN is fine) and mail back.
3. In 2 to 4 weeks, you will receive a very detailed credit report, including all the card (credit card, department store card etc.) and who ever checked your credit in the past. ( A very long page)
4. Check your account rating. R1 means good. R9 means you have a bad debt, collection account or unable to locate. If you find any problems, call immediately.