It isn't necessary to reproduce the entire credit report. The only relevant date is the "First Delinquency Date" which might not be indicated in the Account Summary section at the bottom if the original default occurred more than 24 months ago.

In any event, it'll be the same as on the Equifax report, except TransUnion keeps hard inquiries for 6 years while Equifax keeps them for only 3 years subject to retaining the last 5 indefinitely.

If you have any questions, call their Burnaby office at (604)683-2426, but hang up and try again if you reach their Philippines call center - unless you're a masochist. Alternatively, you can reach their legal info department at privacy@transunion.ca - if you have a procedural question as opposed to one about a specific account.

i do have my transunion one also

BANK OF MONTREAL M/C More about this account >>

Account #: ***********9419

Condition: [Derogatory]

Balance: $2033

Type: Revolving account

Pay status: Bad debt/collection/skip

Payment: $101 Monthly (due every month)

Opened: 10/29/2007

Reported: 12/09/2013

Responsibility: Individual account

Two Year Payment History: Legend>>

Coll Chargeoff
'12 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec Coll Chargeoff
'13 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec

Installment Accounts: Accounts comprised of fixed terms with regular payments

CIBC CLIENT ACCOUNT MANA More about this account >>

Account #: ******8439

Condition: [Derogatory]

Balance: $8

Type: Installment account

Pay status: Bad debt/collection/skip

Payment: $15 Monthly (due every month)

Opened: 03/26/2012

Reported: 12/06/2013

Responsibility: Individual account

Two Year Payment History: Legend>>

'12

feb

mar

apr 30 Days Late
may 60 Days Late
jun 90 Days Late
jul 120 Days Late
aug 120 Days Late
sep 120 Days Late
oct 120 Days Late
nov Coll Chargeoff
dec Coll Chargeoff
'13 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Unkown
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec

BANK OF NOVA SCOTIA More about this account >>

Account #: ********8420

Condition: [Derogatory]

Balance: $4213

Type: Installment account

Pay status: Bad debt/collection/skip

Payment: $328 Monthly (due every month)

Opened: 12/20/2007

Reported: 12/04/2013

Responsibility: Individual account

Two Year Payment History: Legend>>

120 Days Late
dec Coll Chargeoff
'12 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec Coll Chargeoff
'13 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov

Other: Accounts in which the exact category is unknown

INSURANCE CORP. OF B.C. More about this account >>

Account #: **********1ERS

Condition: [Closed]

Balance:

Type: Open account

Pay status: Over 120 Days Late

Payment: $0

Opened: 11/24/2010

Reported: 11/13/2011

Responsibility: Individual account

Two Year Payment History: Legend>>

nov

dec

'10

feb

mar

apr

may

jun

jul

aug

sep

oct

nov 60 Days Late
dec 30 Days Late
'11 90 Days Late
feb 120 Days Late
mar 120 Days Late
apr 120 Days Late
may 120 Days Late
jun 120 Days Late
jul 120 Days Late
aug 120 Days Late
sep 120 Days Late
oct

ROGERS COMMUNICATIONS More about this account >>

Account #:

Condition: [Derogatory]

Balance: $1639

Type: Open account

Pay status: Bad debt/collection/skip

Payment: $0 Monthly (due every month)

Opened: 06/29/2008

Reported: 12/09/2013

Responsibility: Individual account

Two Year Payment History: Legend>>

Coll Chargeoff
'12 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Coll Chargeoff
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec Coll Chargeoff
'13 Coll Chargeoff
feb Coll Chargeoff
mar Coll Chargeoff
apr Coll Chargeoff
may Coll Chargeoff
jun Coll Chargeoff
jul Coll Chargeoff
aug Unkown
sep Coll Chargeoff
oct Coll Chargeoff
nov Coll Chargeoff
dec

Collection Accounts: Delinquent accounts sent for recovery
COMM. CREDIT ADJ

Original Creditor: SHAW CABLESYSTEMS G.P.(V)
Opened: 02/05/2010

Condition:

Account #: 17585**

Balance: 07/18/2010

Responsibility: Individual account

High Balance: $326

Balance: $326

Remarks:

null

ROYAL BANK OF CANADA

Account #: ***3652 Opened: Balance: $500

Reported: 04/19/2012 Closed: 04/26/2011 Type:

Responsibility: [Individual Account]

Status: Uncollected Overdraft or Charges, Amount Written off in Balance Field
Remarks:

You need to pull your TransUnion report as well as the Equifax one.

These delinquencies will automatically purge from both of your credit bureaus as of the following dates, whether you make full, partial or no payments on them.

BMO: Feb., 2015
Rogers: June, 2016
CIBC: Dec., 2018
ICBC: Nov., 2017
Scotiabank: Nov., 2015

Complications MIGHT arise if any of the accounts are sold to a debt buyer. Then they will also appear in the Public Records and Other Information sections of the credit reports, but this is too lengthy to get into now.

While credit reports have nothing to do with statutory limitation periods for filing actions in small claims court, in this instance, they also indicate when the limitation periods will expire - UNLESS you make a payment or provide the debt owners with a written acknowledgement of the account. In that case, you will renew it.

Hello everyone

I am 26 years old and am looking to rebuild my Poor credit
I was young and stupid and just didnt care about my credit before
but now am looking to fix it

my questions are from what i hear is things after 6-7 years will get erased from my report but am not clear as to what is the date they start the 6-7 years

and all the different like written off ... Closed by credit grantor Acct assigned to third party for collection what they mean exactly

i will copy and paste what i have on my account if anyone could give me some more info on what i should do .. ie pay it off .. leave it let it get erased on my report what ever ... just some info thanks in advance to everyone

BANK OF MONTREAL M C
Phone Number: (800)263-2263 High Credit/Credit Limit: $0.00
Account Number: XXX...419 Payment Amount: $101.00
Association to Account: Individual Balance: $2,033.00
Type of Account: Revolving Past Due: Not Available
Date Opened: 2007-10 Date of Last Activity: 2009-02
Status: Bad debt, collection account or unable to locate Date Reported: 2013-12
Months Reviewed:

Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2009-07 ) At least 120 days past due ( 2009-06 ) At least 120 days past due ( 2009-05 )
Comments: Written-off
Monthly payments

ROGERS COMMUNICATION
Phone Number: (877)764-3772 High Credit/Credit Limit:

Account Number: XXX...954 Payment Amount: Not Available
Association to Account: Individual Balance: $1,639.00
Type of Account: Open Past Due: Not Available
Date Opened: 2008-06 Date of Last Activity: 2010-06
Status: Bad debt, collection account or unable to locate Date Reported: 2013-12
Months Reviewed:

Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2011-02 ) Three or more payments past due ( 2011-01 ) Two payments past due ( 2010-12 )
Comments: Closed by credit grantor
Acct assigned to third party for collection

CIBC
Phone Number: Not Available High Credit/Credit Limit: $166.00
Account Number: XXX...439 Payment Amount: $15.00
Association to Account: Individual Balance: $8.00
Type of Account: Installment Past Due: $8.00
Date Opened: 2012-03 Date of Last Activity: 2012-12
Status: Bad debt, collection account or unable to locate Date Reported: 2013-12
Months Reviewed:

Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2012-11 ) At least 120 days past due ( 2012-10 ) At least 120 days past due ( 2012-09 )
Comments: Written-off
Note loan

SCOTIA BANK
Phone Number: (888)777-6842 High Credit/Credit Limit: $14,558.00
Account Number: XXX...420 Payment Amount: $328.00
Association to Account: Balance: $4,213.00
Type of Account: Installment Past Due: Not Available
Date Opened: 2007-12 Date of Last Activity: 2009-11
Status: Bad debt, collection account or unable to locate Date Reported: 2013-12
Months Reviewed:

Payment History: No payment 30 days late
No payment 60 days late
No payment 90 days late
Prior Paying History: At least 120 days past due ( 2012-01 ) At least 120 days past due ( 2011-12 ) At least 120 days past due ( 2011-11 )
Comments:

ICBC
Phone Number: (800)665-6442 High Credit/Credit Limit: $1,800.00
Account Number: XXX...ERS Payment Amount: $1,858.00
Association to Account: Individual Balance: $0.00
Type of Account: Open Past Due: $0.00
Date Opened: 2010-11 Date of Last Activity: 2011-11
Status: Paid as agreed and up to date Date Reported: 2011-11
Months Reviewed: 12
Payment History: 01 payments 30 days late

01 payments 60 days late

09 payments 90 days late
Prior Paying History: At least 120 days past due ( 2011-10 ) At least 120 days past due ( 2011-09 ) At least 120 days past due ( 2011-08 )
Comments: Account paid
Note loan