card ready. A computerized voice will guide you through the process and ask whether you want to pay for your credit score. If you don't want to see your score, just say no and you're done. I ordered a free report from Equifax by phone and it took less than a week to arrive in my mailbox. When you get your report, make sure all the information is accurate. If your report shows loans or credit cards that you didn't apply for, someone may have used your identity to apply for credit or the credit bureau may have incorrect information about your credit use. Either way, you'll want to tell the credit bureau about the discrepancy immediately. Photos Enjoy the convenience of having The Globe and Mail delivered right to your door, your mobile phone and computer. From exclusive content and mobile apps to online tools and loyalty programs, The Globe lets you experience Canada's deepest coverage of national, international, business, and lifestyle news where you want, when you want.