Under consumer legislation governed by each province, you are entitled to a copy of all the information a credit agency has on you.
There are three main credit reporting agencies in Canada: Equifax, Northern Credit Bureaus and Trans Union.
If you want a copy of your credit report:
Mail or fax a request to the companies with photocopies of two pieces of your identification. In about two weeks, they will mail your report to you. The service is free. They will not discuss credit reports on the phone. You can go to their office and ask to see your report
If you have an immediate need then contact Money Mentors in Calgary or Edmonton to set-up an appointment to obtain a copy of your Equifax Credit Report. The cost is $30 and you must bring two pieces of identification
You may also purchase your credit report online from Equifax for $15.50
Information on how to dispute inaccurate information is included in the written credit report you receive from the bureau. However, credit bureaux are not intended to be consumer-friendly and it can be extremely difficult to change or correct information on your report.
The credit bureau is obligated to review your complaints; however you must supply all the material requested on their forms. The forms, which accompany your personal credit report, explain how to file disputes and get corrections made. It can be a drawn out process, so you will need to be persistent.
If the credit bureau won't correct your file, ask them to mark the file "in dispute." You may also exercise your right to have a statement inserted into your credit report to explain your side of the story to potential creditors.
There is no shortcut to erasing bad credit records. Organizations who offer quick fixes are interested in your money but typically they cannot do much for you. We strongly recommend they be avoided.
A final note — if you cannot get the agency to make changes, you may want to contact your provincial consumer department. In Alberta, contact Alberta Government Services 1.877.427.4088
To request of copy of your credit rating contact:
Northern Credit Bureaus
Please note that Northern is also a collection agency.
Our Licensed Insolvency Trustees (formerly called Trustee in Bankruptcy or Bankruptcy Trustee) and Estate Managers believe everyone deserves a financial fresh start, while being treated with dignity and respect. We have offices conveniently located in Calgary, Edmonton, throughout Alberta, and across Canada.
To speak to someone now call us at 310-8888 for a free, no obligation, confidential consultation.
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