Steps to correct errors on you credit bureau

1. Support your case:
Gather receipts, statements and other documents related to your credit account. You may need these to prove your claim.

2. Contact the credit reporting agencies:
Use their form for correcting errors and updating information. Do this for both Equifax Canada and TansUnion Canada.
Before the agencies can make any changes, they first need to check your claim with the creditor that reported teh information.
If the creditor agrees there is an error, the agencies will update your credit report. However, if the lender confirms the information is correct, the agencies will not make any changes.

3. Contact the creditor:
You may be able to speed up the process by contacting the lender yourself about the error. Ask the lender to verify its file and provide the credit reporting agencies with update information.

4. Escalate your case:
Not satisfied with the results of the investigation? Ask to speak with someone at a higher level at the credit reporting agency or the creditor. If the creditor is a federally regulated financial institution, and it will not correct the error, as for information on its compliant-handling process.

5. Add a consumer statement:
If you are still not satisfied, ask the credit reporting agencies to add a consumer statement. This lets you provide details about an item o your report, using up to 100 words and it's free of charge.
Lenders and others who look at your credit report may consider your consumer statement when they make their decisions.

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