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Online credit file - What you need to know

The mysterious credit report... Everyone has one (two in Canada!), but few know what it contains, what it's for and who can access it.

That's why we've put together 3 fact sheets to answer your questions and explain what to do in the event of fraud.

Click on each image to access the files!

 

     

 

Do you notice errors or fraudulent accounts on your files? Use this sample letter to make a rectification request to the company at fault and the credit agency concerned. Fill in the fields highlighted in yellow and change only the recipient. For example, you could send one copy to the telecommunications company and another to Equifax or TransUnion.

 

Do you wish to contest a negative decision or has the company not replied within 30 days? Complete this form and submit it to the Commission d'accès à l'information du Québec. Your request must be submitted no later than 30 days following the company's refusal or failure to respond.

 

 

Do you have any questions? Contact us now!