Your own credit · Written for a reader in Ontario · Last updated 2026-11-02
ON How long do things stay on my credit report in Ontario?
Status: approved by the founder; not yet checked by a lawyer.
In Ontario, the law sets a top limit of 7 years for most items. A bureau may keep an item for less time than that. It may not keep most items for more.
Sources checked: 2026-10-23
We are not lawyers or licensed advisors. Nothing here is personal advice. We never say we can remove accurate information from a credit file, because no one can.
Written by CreditScoreTeam. Not legal advice. Approved by the founder; not yet checked by a lawyer.
Sources this page relies on Consumer Reporting Act, RSO 1990, c. C.33, ss.9(3)(c), 9(3)(e), 9(3)(f), 9(3)(g), 9(3)(h), 9(3)(i), 9(3)(k) — https://www.ontario.ca/laws/statute/90c33 — read 16 September 2026 (dataset v2.1, 2026-10-23); dataset marks the quotations as grade S, so this guide gives them in plain words only Financial Consumer Agency of Canada, How long information stays on your credit report (modified 2026-07-01) — https://www.canada.ca/en/financial-consumer-agency/services/credit-reports-score/information-credit-report.html — read 24 September 2026 (dataset v2.1) Equifax Canada, How long does information stay on my credit report — https://www.equifax.ca/personal/education/credit-report/articles/-/learn/how-long-does-information-stay-on-my-credit-report/ — read 22 October 2026 (dataset v2.1) TransUnion Canada, customer support FAQ — https://www.transunion.ca/customer-support/faq — read 24 September 2026 (dataset v2.1) [Content to confirm: page was not re-opened in the October audit] We are not a credit repair service. · Privacy · Terms of use · Security · Pricing · About