Equifax
 

How do I correct or dispute inaccuracies on my credit file?

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Complete and submit a Consumer Credit Report Update Form to Equifax.

It would be necessary to specify what information is incorrect or what information does not belong to you. We will be pleased to verify any information afterwards.


You also need to include photocopies of all necessary documents and identification to update your personal Credit Report (Ex: receipts, legal documents, 2 photocopies of pieces of valid identification, including proof of current address)


For a better and faster service, you can send the request by:

Fax: (514) 355-8502

OR

By Mail:

Equifax Canada Co.
Consumer Relations Department
P.O. Box 190, Station Jean-Talon,
Montreal, Quebec H1S 2Z2


Equifax will verify the necessary information and mail you a confirmation.


Additional Useful Information:

Good to Know

Equifax will review any new details you provide and compare it to the information in our files. If our initial review does not resolve the problem, we will contact the source of the information to verify its accuracy. If the source informs us that the information is incorrect or incomplete, they will send Equifax updated information and we will change our file accordingly. If the source confirms that the information is correct, we will not make any change to our file. In either case, you may add a statement to our file explaining any concerns you have. Equifax will include your statement on all future credit reports we prepare if it contains 400 characters or less.

If Equifax changes our file in response to your request, we will automatically send you an updated credit report to show you the changes. At your request, we will also send an updated credit report to any of our customers who received one within 60 days before the change was made.

Retend period date information

CREDIT INQUIRIES TO THE FILE

An Inquiry made by a Creditor will automatically purge three (3) years from the inquiry date. The system will keep a minimum of five (5) inquiries.

CREDIT HISTORY AND BANKING INFORMATION

A credit transaction will automatically purge from the system six (6) years from the last activity date.

All banking information (checking or saving account) will automatically purge from the system six (6) years from the registration date.

VOLUNTARY DEPOSIT - ORDERLY PAYMENT OF DEBTS, CREDIT COUNSELING

When voluntary deposit - OPD - credit counseling is paid, it will automatically purge from the system three (3) years from the date paid.

REGISTERED CONSUMER PROPOSAL

When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid.

BANKRUPTCY

A bankruptcy automatically purges six (6) years from the discharge date in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating “included in bankruptcy” and will purge six (6) years from the last activity date.

JUDGMENTS, SEIZURE OF MOVABLE/IMMOVABLE, GARNISHMENT OF WAGES

The above will automatically purge from the system six (6) years from the date filed.

COLLECTION ACCOUNTS

A collection account under public records will automatically purge from the system six (6) years from the last activity date.

SECURED LOANS

A secured loan will automatically purge from the system six (6) years from the date filed. (Exception: P.E.I. Public Records: seven (7) to ten (10) years.)