ONTARIO · THE LAW
Consumer Reporting Act · RSO 1990, c. C.33
Ontario'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 Ontario report.
Your play.
Upload your Equifax and TransUnion reports. We explain every line in plain words and check it against Ontario'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 · Ontario9 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
Ontario's rules in one screen
Every rule in plain words. Every source linked.
HOW LONG ITEMS MAY STAY
The Act sets a limit of 7 years for a debt or collection. The exact section and its exceptions are in the Act. Section 9(3)(f).
A consumer reporting agency shall not include in a consumer report, … (f) information regarding any debt or collection if, (i) more than seven years have elapsed since the date of last payment on the debt or collection, or (ii) where no payment has been made, more than seven years have elapsed since the date on which the default in payment or the matter giving rise to the collection occurred, unless the creditor or the creditor’s agent confirms that the debt or collection is not barred by statute and the confirmation appears in the file;
Section 9(3)(f) · Read on the government site on 4 Nov 2026
Read the law on the official site →YOUR RIGHT TO QUESTION A LINE
In Ontario, you can dispute anything on your file. The agency must use its best efforts to check it, within a reasonable time. The law gives no number of days. This is at s.13(1). Section 13(1).
Subject to any prescribed limitations, a consumer may, in accordance with any prescribed requirements, dispute the accuracy or completeness of any item of information contained in his or her file and the consumer reporting agency shall, within a reasonable time and in accordance with any prescribed requirements, use its best endeavours to confirm or complete the information and shall correct, supplement or delete the information in accordance with good practice.
Section 13(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 Ontario'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.
Ontario guides
Plain words, with the source.
What are fraud alerts and security freezes in Ontario?Can I add my side of the story to my credit report in Ontario?How do I dispute an item on my credit report in Ontario?How do I get my two credit reports for free in Ontario?How long do things stay on my credit report in Ontario?When is a debt too old to be collected in Ontario?How do I read my credit report, line by line?What can be wrong on my credit report, and what does Ontario 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 Ontario
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 Ontario’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 Ontario 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 Ontario?
Consumer Reporting Act (RSO 1990, c. C.33). 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 Ontario page and letter is available in English and French.