In mid-April, Experian decided to close their consumer credit bureau in Canada. With nearly flat revenue growth in North America, the company cited the global financial crisis which has lead to reduced consumer lending activity.
This message was posted on their website:
“Effective April 17, 2009, Experian will unfortunately discontinue its Canadian consumer credit bureau operations as a result of the very difficult economic environment in Canada and around the world, which Experian believes will persist for some time. This means that as of April 18, 2009, Experian will no longer be providing credit reports out of its Canadian database regarding any consumer in Canada.
We will continue to respond to ongoing consumer requests for copies of credit reports, as well as handle disputed items and other consumer assistance until April 17. After that date and upon completion of any disputes in process, all consumer information will be deleted from our database and will no longer be available to consumers or creditors.
If you have not previously obtained your credit report from us or initiated a dispute on your Experian credit report, you may wish to contact one of the other credit bureaus for assistance.”
In the Check Your Credit Reports article, I had included a PDF that had the forms for all three credit bureaus and instructions on what you need to do to request your file. Experian has now been removed and you can get the new version to check your credit reports for free.