QUÉBEC · THE LAW
Credit Assessment Agents Act · CQLR c. A-8.2
Québec'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 Québec report.
Your play.
Upload your Equifax and TransUnion reports. We explain every line in plain words and check it against Québec'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 · Québec9 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
Québec's rules in one screen
Every rule in plain words. Every source linked.
HOW LONG ITEMS MAY STAY
Quebec law sets no maximum time for an item on a report. Any time you see is a bureau's own practice, not the law.
YOUR RIGHT TO QUESTION A LINE
In Quebec, you have a right to have wrong or incomplete information fixed. The company must answer you in writing within 30 days. If it does not answer, the law treats that as a refusal, and you can go to the Commission d'accès à l'information. This is in the private-sector privacy law, at arts. 28 and 32.
28. In addition to the rights provided under the first paragraph of article 40 of the Civil Code, any person may, if personal information concerning him is inaccurate, incomplete or equivocal, or if collecting, communicating or keeping it are not authorized by law, require that the information be rectified. … 32. The person in charge of the protection of personal information must reply in writing to the request for access or rectification, promptly and not later than 30 days after the date the request is received. Failure to respond within 30 days of the receipt of a request is deemed to be a refusal to grant the request.
Sections 28, 32 · 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 Québec'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.
Québec guides
Plain words, with the source.
How do I dispute an item on my credit report in Quebec?Can I add my side of the story to my credit report in Quebec?How do I get my two credit reports for free in Quebec?What are security freezes and security alerts in Quebec?How long do things stay on my credit report in Quebec?When is a debt too old to be collected in Quebec?How do I read my credit report, line by line?What can be wrong on my credit report, and what does Quebec 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 Québec
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 Québec’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 Québec 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 Québec?
Credit Assessment Agents Act (CQLR c. A-8.2). 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 English?
Yes. Every page and letter is in French and English. In Québec, French comes first.