MANITOBA · THE LAW
The Personal Investigations Act · CCSM c. P34
Manitoba's law on what a credit report may hold, and your rights when something is wrong.
Quoted section coming
Read the law on the official site →Your Manitoba report.
Your play.
Upload your Equifax and TransUnion reports. We explain every line in plain words and check it against Manitoba's own law. When you are ready, your letters follow. You read them. You send them.
We are not a credit repair service. We draft; you decide and send.
Your file · Manitoba9 of 12 items checked
Collection account · both bureausTo check
Credit card · paid as agreedLooks right
Address you never lived atLetter drafted
Assistant
This collection shows on both reports. If it isn't yours, I can draft one letter for each bureau.
Draft lettersShow the rule
Manitoba's rules in one screen
Every rule in plain words. Every source linked.
HOW LONG ITEMS MAY STAY
We have not cleared the time limits for Manitoba yet. We say nothing about them until we have.
YOUR RIGHT TO QUESTION A LINE
In Manitoba you file what the law calls a statement of protest. That is at s.10. The agency, the reporter or the lender must act IMMEDIATELY. If it cannot verify the item, it must take it out. If it can, your protest goes on the file beside it. That is at s.11. There is no deadline in the Act, and that is better than it sounds: 'immediately' is a stronger standard than a 30 or 60 day clock. They must also tell you what they did, and tell anyone who got a report about you in the 60 days before. Section 10-11.
10 Where the subject of a report protests any information contained in a personal report or in a personal file, the subject has the right to file a statement of protest with the user or the personal reporter or both. … 11(1) Where the subject files a protest with a user or a personal reporter, or any person files a protest with a personal reporting agency, the user, personal reporter or personal investigation agency shall immediately (a) attempt to verify the information and where the factual or investigative information cannot be verified, expunge the information from the personal file; or (b) where the veracity of the information is sustained, record the protest in the personal file; and report the action taken (c) to the subject of the personal report or personal file; and (d) to any person to whom the personal report may have been furnished within the previous 60 days.
Sections 10, 11(1) · Read on the government site on 4 Nov 2026
Read the law on the official site →WHO TO WRITE TO
Equifax Canada · TransUnion Canada
Each letter goes to the bureau's own dispute address. We show the address when you write.
Equifax Canada →TransUnion Canada →Nothing here is legal advice. Where a card shows a quote, it is the government's own text, with the date we read it. Where it says “Quoted section coming”, we are still checking the exact section. The card gives the rule in plain words and links the official page. Accurate information stays on your report; we help you question what is wrong or out of date.
Five steps
From your report to your letters.
- Upload both reportsEquifax and TransUnion. Your personal details are blacked out on screen.
- Read every lineEach code becomes plain words, with Manitoba's rule beside it.
- Mark what’s wrongCorrect, not sure, or something is wrong. You choose.
- Get your lettersWith the Season or the Cup: one for each bureau, built on the rule. You read them first.
- Send and trackYou send. We show the date each bureau should answer by.
Manitoba guides
Plain words, with the source.
What are fraud alerts and security freezes in Manitoba?Can I add my side of the story to my credit report in Manitoba?How do I dispute an item on my credit report in Manitoba?How do I get my two credit reports in Manitoba, and what does it cost?How long do things stay on my credit report in Manitoba?When is a debt too old to be collected in Manitoba?How do I read my credit report, line by line?What can be wrong on my credit report, and what does Manitoba law say?
STRAIGHT TALK
What we never do.
The rules are the same for everyone. Knowing them is the whole point.
- We never remove accurate information. Nobody can.
- We never promise a score change, an approval or a removal.
- Nothing leaves without your say. You read, you approve.
- We never show you a number and call it your credit score.
Waitlist
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Start here
Both reports, every line explained.
You upload your own two reports. We read both, with Manitoba’s rules shown beside each item. Credited if you go on to the Season or the Cup.
The evaluation
$99
- Both reports read, line by line
- Every item in plain words
- Your province's rule beside each item
- Items worth questioning, flagged
The $99 comes off the Season or the Cup if you go on.
The evaluation is the reading. Letters come with the Season or the Cup.
See what's in the evaluationQuestions people in Manitoba ask.
Do you remove things from my report?
No. Nobody can remove accurate information. We help you find what is wrong or out of date and draft the letter you send yourself.
Which law applies in Manitoba?
The Personal Investigations Act (CCSM c. P34). We show the section that applies to each item and link to the official page so you can read it.
Do I get a credit score?
No. We do not make up a score, and we never call a number of ours your credit score.
Is this in French?
Yes. Every Manitoba page and letter is available in English and French.