This report is the basic detailed report that lists all your debts, collections, judgements and enquiries made about you. It is written in plain English (or French) and easy to follow. You can get this for free by mail, or online for a small fee. You MUST monitor this report at least twice a year.
If you see an error on your report, report it to the credit bureau Consumers wishing to dispute items on their credit files can do so by contacting the Credit Bureau directly
The credit bureau are paid by businesses and banks Changing or correcting information on your report is extremely difficult.
If the information about you is actually false and damaging, not just a true negative item, you might consider legal action against both the credit bureaux and the company reporting the false damaging information.
These ratings are used in conjunction with your Credit Score to determine your credit worthiness Standard Credit Bureau Ratings in Canada
Start by obtaining your credit reports from each of the consumer credit reporting agencies in Canada.
Do not phone, they will not discuss your credit report on the phone. CHECK YOUR CREDIT SCORE REGULARLY
Under the Consumer Reporting Act you are entitled to a copy of all the information a credit agency has on you. Find out what these credit bureaux are telling people about you and find out who has been asking.
Errors are very common. You can dispute erroneous items on your report. Correcting them will take a lot of time, work and effort.
Call the credit bureau and point out their errors. The credit bureau must review your complaints, however they will insist on your supplying the material using their forms. These forms, which are also included in your personal credit report, explain how to file disputes and get corrections made.
It is an uphill battle and you will have to fight them and be persistent.
You also have a right to place a 100 word statement on the credit bureau file to be given to anyone who obtains a future report. To obtain a hard copy of your personal credit file by mail:
Mail or fax a written request with copies of two pieces of identification to also write or fax to Trans Union Credit Bureaus. This mailed request service is free. In a couple of weeks, they will mail your report to you. You could also go to their office and ask to see your report.
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