KNOW YOUR RIGHTS · CANADA
Your credit reporting rights in Canada
Understand your credit-report rights, what to check and where to ask for a correction. Provincial and territorial rules matter.
Your right to question an error
You can dispute information you believe is wrong. Compare your Equifax and TransUnion reports. Check unfamiliar accounts, incorrect balances or payment history, and entries that may be too old.
Official sources: FCAC: checking and correcting your report (opens in a new tab)
How long can information stay?
There is no single reporting period for every entry across Canada. The type of entry, province or territory, and bureau can affect the period. Check the event and date used to start the period before calling an entry overdue for removal.
Official sources: FCAC: how long information stays (opens in a new tab)
Ask for a correction
Identify the entry, explain the error and send copies of supporting records to the bureau. Contact the lender or other organization that supplied the information too. Keep the report, your request, proof of delivery and the reply.
Official sources: FCAC: checking and correcting your report (opens in a new tab)
Response periods and complaints
Do not assume a United States 30-day dispute deadline applies in Canada. Check the applicable local rules. If the bureau does not resolve the issue, use its complaint process and contact the appropriate provincial or territorial consumer office. The right complaint body depends on the issue and organization.
Official sources: FCAC: checking and correcting your report (opens in a new tab) · Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Your province or territory
Choose your province or territory below. This guide does not use your location to select local legal rules or change your account.
Alberta
Check the current local legislation and complaint contact for Alberta using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
British Columbia
Consumer Protection BC explains limits on report contents and access, and how to raise a credit-reporting complaint. Check the current local rule and the type of entry before applying a retention period.
Official sources: Consumer Protection BC: credit reporting rights (opens in a new tab) · Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Manitoba
Check the current local legislation and complaint contact for Manitoba using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
New Brunswick
Check the current local legislation and complaint contact for New Brunswick using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Newfoundland and Labrador
Check the current local legislation and complaint contact for Newfoundland and Labrador using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Nova Scotia
Nova Scotia requires credit bureaus to be licensed under its Consumer Reporting Act. Its official guide explains access, consent and correction rights.
Official sources: Nova Scotia: credit reports and your rights (opens in a new tab) · Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Northwest Territories
Check the current local legislation and complaint contact for Northwest Territories using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Nunavut
Check the current local legislation and complaint contact for Nunavut using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Ontario
Ontario’s Consumer Reporting Act governs consumer reporting agencies. The provincial guide explains report access, permitted use and correcting information.
Official sources: Ontario: credit reports and your rights (opens in a new tab) · Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Prince Edward Island
Check the current local legislation and complaint contact for Prince Edward Island using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Québec
Québec’s Credit Assessment Agents Act provides additional protections, including security freezes, security alerts and explanatory statements. Consult the Act for the applicable rights and conditions.
Official sources: Québec: Credit Assessment Agents Act (opens in a new tab) · Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Saskatchewan
Check the current local legislation and complaint contact for Saskatchewan using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Yukon
Check the current local legislation and complaint contact for Yukon using the official government directory. This guide does not state a verified local reporting or investigation deadline for this jurisdiction.
Official sources: Government of Canada: provincial and territorial consumer offices (opens in a new tab)
Use these rights with your own evidence
Save the report page, account details, relevant dates, supporting records and correspondence. A possible error needs evidence; this guide does not decide whether a particular entry breaks the law.
CRP explains supported issues in your uploaded report and helps you prepare a packet you review and approve. The rights described here are broader than the checks CRP currently supports. Check the available country, bureau and report options in your workspace. No correction, deletion or score increase is guaranteed.
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