Answers to common credit problems
General information for Canadians. Not legal advice.
A collection agency is calling about a 6-year-old debt
What Ontario law says when a collector chases a very old debt, and whether it can still be on your credit report.
Wrong name, address or personal details on my Equifax report
How to fix incorrect personal information on your Equifax Canada credit file, and why it matters.
TransUnion won't remove a closed account
When a closed account can stay on your TransUnion Canada report, and when you can force it off.
There's an account on my credit report that isn't mine
Steps to take when an unknown account appears on your Canadian credit report, including identity theft.
I paid a collection but it still shows a balance
What to do when a paid or settled debt still shows as owing on your credit report.
My credit report shows a late payment I didn't make
How to challenge an incorrect late payment on Equifax or TransUnion in Canada.
How long do things stay on my credit report in Canada?
Usual reporting periods for collections, late payments, judgments, bankruptcies and consumer proposals in Canada.
How to dispute an error with Equifax and TransUnion Canada
Step-by-step guide to disputing errors with both Canadian credit bureaus, and what to do if they refuse.
My bank won't fix a credit reporting error — what now?
How the bank complaint process, OBSI and FCAC work when a Canadian bank won't correct your credit report.
A credit check I didn't authorise is on my report
What to do about unauthorised hard inquiries on your Canadian credit report.