Credit Bureau Repair
To get a FREE copy of your credit report, mail copies of 2 pieces of identification with signatures visible, (e.g. birth certificate, immigration papers, social insurance card), your address and former addresses (back 5 years) to one or both of the agencies listed below. It usually takes 2-4 weeks.
Equifax Canada Inc.
Box 190, Jean-Talon Station. Anjou, Quebec, H1S 2Z2
Toll-free 1-800-465-7166 Fax: 1-514-355-8502
Trans Union
P.O. Box 338-LCD, Hamilton ON L8L 7W2
Toll free 1-800-663-9980 Fax 1-905-527-0401
INFORMATION NORMALLY REMAINS ON YOUR CREDIT BUREAU FOR 7 YEARS
Consumer Credit Rating Guide
| Usual Manner of Payment |
O |
R |
I |
|
Too new to rate: approved, but not used |
0 |
0 |
0 |
|
Pays (or paid) within 30 days of billing; pays account as agreed |
1 |
1 |
1 |
|
Takes longer than 30 days to pay, but no longer than 60 days |
2 |
2 |
2 |
|
Takes longer than 60 days to pay, but no longer than 90 days, or two payments past due |
3 |
3 |
3 |
|
Takes longer than 90 days to pay, but no longer than 120 days, or three payments past due |
4 |
4 |
4 |
|
Account is at least 120 days overdue, but is not yet rated "9" |
5 |
5 |
5 |
|
Making regular payments under a consolidation order or similar arrangement through a third party |
7 |
7 |
7 |
|
Repossession (indicates if it is a voluntary return of merchandise by the consumer) |
8 |
8 |
8 |
|
Bad debt; placed for collections; skip, bankruptcy |
9 |
9 |
9 |
Terms: O = Open Account R = Revolving or Option I = Installment
