As reported last year, I’m requesting my credit report every March 15th. This year I missed it by a week or so, but better late than never.
In Canada, there are two places to send a request to:
TransUnion - Send a letter with your information
Equifax - Fill out the form
This report from the Canadian privacy commissioner details a case that shows some of the rights that Canadians have about access to the information that banks use to make decisions about them.
Apologies to the non-Canadians in the crowd, if someone has information on the policies in other countries please let me know or post it and send a trackback.
(update: How to get a free credit report for Americans)