Check your credit report

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Debt and Consumer Rights - Credit reports and repair
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Consumer Measures Committee
Ministry of Government and Consumer Services
CLEO (Community Legal Education Ontario / Éducation juridique communautaire Ontario)

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There's a mistake in my credit report. What can I do?
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Check your credit report

Equifax and TransUnion are the two main consumer reporting agencies in Canada. They prepare credit reports.

Consumer reporting agencies must mail you a free copy of your report if you ask them to. You can ask for a free credit report once each year. You can also get your report online, but you might have to pay for that. You have to pay to get your credit score.

The information they give you must be easy to read.

It’s a good idea to contact both agencies because they might have different information about you in their records.

Review the information in your file. If you think there is a mistake in your credit report, you should tell the consumer reporting agency and your creditor. For example, if your credit report says that you have not made regular payments on your car loan and you know you have, you should tell the lender as well as the credit agency.

Information in your report

Credit agencies must use the best information about you they can find. For example, if the hydro company says you owe them money, they should give the credit agency copies of your unpaid bills to prove it.

Ontario law says what can and cannot be included in a credit report. A credit report can include credit information and personal information.

If you filed a consumer proposal, it will be noted on your credit report for 3 years after you pay the money back. A first bankruptcy will be on your credit report for 6 or 7 years after it is discharged. A second bankruptcy will stay on your credit report for 14 years or more.

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Reviewed: March 23, 2017

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