Advice Decision-Making Assistant (ADMA)

In brief: You can use the credit file method to verify an individual’s identity in situations where the individual has a credit file located in Canada that has been in existence for at least three years. This is not a credit assessment to obtain a credit rating for the ability to pay a loan. Current information in the credit file is used to verify that the name, address and date of birth in the credit file are those of the individual. The information in the credit file must match the name, address and date of birth that the individual told you. Before using this method, obtain the individual’s consent. This method does not require the individual’s presence for verification. Equifax and TransUnion Canada are Canadian credit bureaus that provide credit file information for verification of ID purposes. You can apply to access their services to verify ID without getting a credit assessment.  There is a detailed application process that may take a week or more to complete.