Search site            Home     About us     Contact us     Blog     Forms     Surplus calculator     Corporate recovery      

       

We always felt that we could ask you anything and knew you would help us without judgment and with sure knowledge.

- Grant Thornton client

» Read success stories

We always felt that we could ask you anything and knew you would help us without judgment and with sure knowledge.

- individual we've assisted

» Read success stories

 

Investigate your credit rating

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 two main credit reporting agencies in Canada: Equifax 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. The service is free. They will not discuss credit reports on the phone.

  • You may also purchase your credit report online from one of the agencies listed below.

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 Ontario, contact Ontario Government Services toll free at 1.800.889.9768 or via email at consumer@ontario.ca.

To request of copy of your credit rating contact:

Equifax Canada
Tel: 1.800.465.7166
Fax: 514.355.8502
equifax.ca

Trans Union
Tel: 1.800.663.9980
Fax: 905.527.0401
transunion.ca

» Rebuilding credit

 

Contact us

© 2017 Grant Thornton Limited, Licensed Insolvency Trustees. All rights reserved.


back to Bankruptcy Thunder Bay home

Confidential callback from a bankruptcy professional

Please call me

As soon as possible
Today at
Next business day at

My Phone # 

Extension  

Ask for  

×


back to Bankruptcy Thunder Bay home

Make an appointment

Name

Phone
- -

Email

Preferred Date (dd/mm/yy)

 


Location

×


back to Bankruptcy Thunder Bay

Ask a question

Name 

Phone  

* Email  

* Question  

* required fields

×

×