PRINCE EDWARD ISLAND · THE LAW
Consumer Reporting Act · RSPEI 1988, c. C-20
Prince Edward Island'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 Prince Edward Island report.
Your play.
Upload your Equifax and TransUnion reports. We explain every line in plain words and check it against Prince Edward Island'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 · Prince Edward Island9 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
Prince Edward Island'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 Prince Edward Island yet. We say nothing about them until we have.
YOUR RIGHT TO QUESTION A LINE
In Prince Edward Island, the agency must use its best efforts to confirm or complete what you dispute, and fix, add or delete it, within a reasonable time. The law gives no number of days. This is at s.12. Section 12.
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 Accurate information stays on your report; we help you question what is wrong or out of date.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 Prince Edward Island'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.
Prince Edward Island guides
Plain words, with the source.
What are fraud alerts and security freezes in Prince Edward Island?Can I add my side of the story to my credit report in Prince Edward Island?How do I dispute an item on my credit report in Prince Edward Island?How do I get my two credit reports for free in Prince Edward Island?How long do things stay on my credit report in Prince Edward Island?When is a debt too old to be collected in Prince Edward Island?How do I read my credit report, line by line?What can be wrong on my credit report, and what does Prince Edward Island 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 Prince Edward Island
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 Prince Edward Island’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 Prince Edward Island 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 Prince Edward Island?
Consumer Reporting Act (RSPEI 1988, c. C-20). 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 Prince Edward Island page and letter is available in English and French.