Credit Bureaus

  1. General Information
  2. Corresponding with Credit Bureaus (information and form letters)
  3. Credit Bureau Contact Information

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General Information

There are 2 main credit bureaus: Equifax and TransUnion.
The credit bureaus store and maintain information on consumer credit and payment habits, inquiries and public records. They continuously update credit information, allowing credit grantors to make informed decisions.

The trustee will request a copy of the debtor's credit report from the credit bureaus, either at the time of the initial consultation, or at the time the bankruptcy papers are signed.

Once a bankrupt is discharged, the trustee notifies the credit bureaus of the discharge, requesting that the debtor's credit report be updated. In addition, at the time the bankruptcy papers are first signed, the debtor pre-signs a request for a credit report from the credit bureaus. Once the bankrupt is discharged, the trustee sends this request to the credit bureaus. The bankrupt will then receive the updated credit report, shortly after his discharge.

A bankruptcy will stay on the debtor's credit report for 7 years (for a first-time bankruptcy; subsequent bankruptcies stay on the credit report for much longer).

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Corresponding with Credit Bureaus

Consumers may correspond with the credit bureaus to obtain a credit report or to request that errors in a credit report be corrected. Make sure to include copies of two pieces of identification (ID) with any correspondence or you will not receive a reply. One of the pieces of ID must be one of the following:

In addition, include a copy of a current utility bill, account statement or lease showing you reside at your current address.

The links below contain form letters to the credit bureaus. The first link has form letters requesting a credit report, one for each of TransUnion and Equifax. The second link has form letters requesting updates to a credit report, one for each of TransUnion and Equifax.

To use the form letters, enter variable information in the blue fields. Some fields contain tips which can be seen by holding the mouse over the field. In the fields, enter such information as today's date, your name, address and other identifying information as indicated.

** Note that you only have to complete the information in one letter and it will automatically be copied to the second letter. For example, if you enter the date in the TransUnion letter it will be entered in the Equifax letter at the same time.

report Letters to Request your Credit Report


update request Letters to Request your Credit Report be Updated




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Credit Bureau Contact Information

TransUnion

Online:
TransUnion website

Telephone:
1-800-663-9980

Address:
TransUnion Consumer Relations Department
P.O. Box 338, LCD1
Hamilton, Ont. L8L 7W2


Equifax

Online:
Equifax website

Telephone:
1-800-465-7166

Address:
Equifax Canada Inc.
Consumer Relations Dept.
Box 190 Jean Talon Station
Montreal, Que. H1S 2Z2





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