Learn what can’t be in your credit report

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Debt and Consumer Rights - Credit reports and repair
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Community Advocacy & Legal Centre (CALC)
CLEO (Community Legal Education Ontario / Éducation juridique communautaire Ontario)
Ministry of Government and Consumer Services
CLEO (Community Legal Education Ontario / Éducation juridique communautaire Ontario)

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Someone asked me for a credit check. What does this mean?
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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  • criminal charges that were withdrawn, dismissed, or set aside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.

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Reviewed: March 23, 2017

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