NOVA SCOTIA · THE LAW
Consumer Reporting Act · RSNS 1989, c. 93
Nova Scotia'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 Nova Scotia report.
Your play.
Upload your Equifax and TransUnion reports. We explain every line in plain words and check it against Nova Scotia'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 · Nova Scotia9 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
Nova Scotia's rules in one screen
Every rule in plain words. Every source linked.
HOW LONG ITEMS MAY STAY
The Act sets a limit of 6 years for a debt or collection. The exact section and its exceptions are in the Act. Section 10(3)(c).
Quoted section coming
Read the law on the official site →YOUR RIGHT TO QUESTION A LINE
Nova Scotia does not give the agency a number of days. The law says it must act right away. It must also tell anyone it gave a report about you to in the last 60 days. Section 13(1)-(2).
Quoted section coming
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 Accurate information stays on your report; we help you question what is wrong or out of date.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 Nova Scotia'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.
Nova Scotia guides
Plain words, with the source.
What are fraud alerts and security freezes in Nova Scotia?Can I add my side of the story to my credit report in Nova Scotia?How do I dispute an item on my credit report in Nova Scotia?How do I get my two credit reports for free in Nova Scotia?How long do things stay on my credit report in Nova Scotia?When is a debt too old to be collected in Nova Scotia?How do I read my credit report, line by line?What can be wrong on my credit report, and what does Nova Scotia 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
Email me when CreditScoreTeam opens fully in Nova Scotia
CreditScoreTeam is open by invitation for now. Leave your email and we write to you once, when it opens fully.
Start here
Both reports, every line explained.
You upload your own two reports. We read both, with Nova Scotia’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 Nova Scotia 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 Nova Scotia?
Consumer Reporting Act (RSNS 1989, c. 93). 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 Nova Scotia page and letter is available in English and French.