Error Credit Report Canada
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Who Do I Call To Dispute My Credit Report
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merchants For the industry Financial literacy Breadcrumb trail Home Resources Publications Credit and Loans Protecting your credit report: How to correct errors and check for fraud Protecting your credit report: How to correct equifax canada dispute errors and check for fraud dc.subject Rate this tip sheet PDF version (732
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KB, 6 pages) What is your credit report? What can you do if you find errors? Why it is important equifax unique number canada to check for errors What errors should I watch out for? What cannot be changed? Steps to correct errors on your credit report How can I make a complaint? How to protect yourself https://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02181.html from fraud What should I do if I am a victim of fraud? How can I add a fraud alert? How can I add an identity verification alert? Contact information—TransUnion Canada Contact information—Equifax Canada Other FCAC information of interest Your credit report is important for your financial health. It can help you get approved for credit cards and other loans. It can also affect your ability http://www.fcac-acfc.gc.ca/eng/resources/publications/creditLoans/Pages/Protecti-Proteacu.aspx to rent housing or get hired for a job. Protect your credit report by checking carefully for errors and signs of identity theft. What is your credit report? It is a record of your past and present use of credit cards and loans. Mobile phone and Internet accounts may be included, even though they are not credit accounts. It includes details about your bill payments and your personal information. The two major credit reporting agencies that keep your information on file are Equifax Canada and TransUnion Canada. What can you do if you find errors? You have the right to dispute any information in your credit report that you believe is wrong. You can ask the credit reporting agencies to correct errors. It’s free. Why it is important to check for errors Errors can give lenders the wrong impression. You could be turned down for a credit application or be charged a higher interest rate. Errors can also be a sign that someone is trying to steal your identity and open credit cards, mortgages or other loans under your name. What errors should I watch out for? Order your credit report from both Equifax Canada and TransU
your credit report? Here's how to correct them Errors on your credit report? Here's how to correct themBy Carmen Chai Your credit report is significant -- it can make or break your application for a loan, a http://canada.creditcards.com/credit-card-news/correct-errors-on-credit-report-1264.php home or even a job. Having an error on it can be a huge impediment. Check your report for common mistakes, and know how to correct it if you find one. "You need to be proactive about checking your credit report on a regular basis just in case there are any problems that do come up," says Jeff Schwartz, executive director of Consolidated Credit Counseling Services of Canada. "It's better to find out earlier than later when you need to apply for credit report credit. You don't want to be the last one to know." Once an error is on your radar, the onus is on you to correct it, too, says Richard Moxley, spokesperson for eCredit Fix, which helps consumers learn about improving their credit score. "It can be a tedious process, it takes a lot of patience and initiative," Moxley warns. You should pull your credit report from Equifax Canada and TransUnion Canada at least once a year, although Schwartz suggests quarterly checkups if you error credit report use credit often. Common errors Once you have both your credit reports, look for these potential inaccuracies that tend to be the most common: 1. Your personal information: Make sure your full name, home address, date of birth and phone number are all correct. Errors in your personal information could be a matter of having a common name, but other times, it could be a red flag for fraud. "What will happen a lot is people will have multiple versions of their credit report out there," Moxley says. This is especially the case if you're new to Canada or newly married. If you're seeing addresses or phone numbers that never belonged to you, it could be a sign that your account is getting mixed up with that of another person with your name. Or it could be a warning sign of potential identity theft. Check your social insurance number carefully, too. If it's off by even a single digit and you don't catch it, you could find yourself with a big headache. 2. Your accounts and payment history: Make sure every credit card, line of credit and loan that you have opened is on your credit report and ensure that your accounts accurately portray your payment history. If you're paying on time, your report should reflect that. If the creditor is in the wrong and isn't posting updated payments, it will mar your reputation. Incorrect balances, duplicate accounts, and misreported account statuses turn up, Schwar