Credit Repair Canada
- 3 reasons why you may need this information

Many Canadians are just starting recognize that they have access to their credit reports with Equifax Canada and TransUnion Canada.

The following are questions that arise as soon as a person learns first sees their credit report:

• Where do I start with my credit report?
  
• Can I dispute credit items myself?
  
• Who are Equifax Canada and Trans Union Canada?
  
• Who denied me the credit that I was applying for?
  
• Where did the credit bureau get my information from?
  
• What are credit bureaus and how do they get my credit information?
  
• How long do negative credit items stay on my credit report?
  
• What are my rights with regards to Canadian credit reporting agencies?
  
• Can I actually fix my credit so that I'll be approved for credit in the future?
  
• Can I start to increase my credit score today?

Along with these important questions are the real reasons why you need know about your rights and credit repair.

1. There may be inaccurate information on your credit report that is costing you money
   There are many thousand credit applications taken each year in Canada. The people who are taking the applications have different levels of training when it comes to transcribing names and numbers. Errors can and do happen frequently when it comes to getting your personal information to the creditor.
   
   
2. It's important to know who has your personal information and that it is being reported accurately and truthfully.
   A credit report will show which creditors are reporting your personal information and who has looked at it in the way of a credit inquiry.
   
   When it comes time to apply for a new mortgage or renew an existing mortgage or other piece of credit, it is imperative that your correct credit history is relayed to that creditor so they can make an accurate decision.
   
   
3. In the event of transcription errors from the credit information taking clerks, you need to know that you can have control of getting that information corrected.
   Many times when I talk to people about errors on their credit report, they usually give me that look of "I have no where to start with this"!
   
   My 42 page DIY credit repair ebook for Canadians explains who to talk to or write letters to including:
   
   • Credit bureaus
     
   • Creditors
     
   • Collection agencies
     
   • Regulatory bodies
     
   • All of the other companies/agencies reporting on your credit report.

   The goal of my credit repair ebook is make sure that you're confident with the process in case you need to dispute an item on your credit report.

I'll never forget my own personal problems with inaccurate information on my credit report with both Equifax Canada and TransUnion Canada. I clearly remember finding a few "duplicate" entries on my credit report that were pulling down my credit score. These were the fault of the creditors and the credit bureau reporting.

I disputed these duplicate items and immediately my credit score rose by 85 points. This higher credit score automatically allowed me to demand lower interest rates from my creditors. These lower interest rates actually saved me a few thousand dollars per year. This is all because I used the techniques that are talked about in my Canadian credit repair techniques that are in my DIY credit repair ebook for Canadians.

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