TransUnion Credit Freeze – Quebec

Consumers who reside in the province of Quebec are entitled to see their credit score and score factors on their consumer disclosure. Quebec residents will be able to place a credit freeze on their credit file on or after February 1st, 2023.

What is a credit freeze and what does it do?

A credit freeze can be placed by a consumer on their credit file to prevent access to their credit information for certain purposes set out in legislation. When a credit freeze is placed on a credit file by the consumer, parties cannot access that credit information for the following purposes:

Assessing you for new or additional credit;
Entering into a long-term contract for a lease of goods (for example, a car lease)
Entering into a contract involving performance for a service at a distance (for example, a payment plan for a cell phone).

A credit freeze does not affect your credit score.

When should I consider lifting the credit freeze?

If you need to open a new account, apply for a job, rent an apartment or buy insurance you can lift the freeze to allow access to your credit file.

You can have the freeze lifted for free and place it again for free when you are done allowing access to your credit file.

How do I place or remove a credit freeze on my file?

The easiest and quickest way to place or remove a credit freeze on your file is through Transunion online site at ocs.transunion.ca. Alternatively, you may contact TransUnion to request a credit freeze by mail or by phone, but please note that these methods can take longer to implement.

By Phone: 1-800-663-9980
By Mail:
TransUnion Canada
P.O Box 338, LCD1
Hamilton, Ontario L8L 7W2

Please note that companies will still be able to access credit information for other purposes even when there is a credit freeze on a credit file.

For more information visit https://www.transunion.ca/assistance/fraud-victims-resources#articleSection5