Learn what can’t be in your credit report

The following information cannot be part of a credit report:

• criminal convictions that have been discharged or pardoned
• criminal charges that were withdrawn, dismissed, or set aside
• your race, religion, skin colour, sex, cultural or ethnic background, or what you think about politics

If any of the following information is more than 7 years old, it cannot be included in your credit report:

• a debt collection proceeding against you
• a judgment against you, unless the creditor confirms that it is still unpaid
• unpaid fines or taxes
• criminal convictions (the 7 years begins when you were convicted, released, or released on parole, whichever happened later)

Consumer proposals will be noted on your credit report for 3 years after you pay back the money. 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.