It's also 6 years in Saskatchewan, as it is in most of the other provinces.

See the FCAC chart below. What they don't mention is that collection agencies and debt buyers often extend this period by many years through the abuse of "hard inquires" to report collection agency/debt buyer searches AND the misuse of "Reporting Dates" in the "Public Records"/"Collections" section of TransUnion and Equifax reports.

http://www.fcac-acfc.gc.ca/eng/publications/CreditReportScore/UCreditScore-eng.asp

The FCAC also informs consumers how to correct errors on their reports.

http://www.fcac-acfc.gc.ca/eng/publications/CreditReportScore/CCreditReportScore-eng.asp#errors

But try following their instructions, and see how far you get.

The next thing is to try contacting General's ombudsman and ask for a correction. Not sure how much luck you'll have doing this.

Saskatchewan doesn't have a provincial version of the Federal PIPEDA Act, so the Federal one completely rules. Every collection agency is required to have a PIPEDA "compliance officer" who, upon a written request, has 30 days to mail you the information the agency has on file about you and the debts assigned to them.

But, in practice, if you contact or write General and demand your PIPEDA info file, you'll surely get stonewalled. They're more likely to transfer your call to a call center in the Philippenes or Indonesia like TransUnion does. Or file your letter under "G." But if you try hard enough, you will eventually get it - hopefully, before dying of old age. That file will give you the information about the debt.

Obviously, if the debt is more than 6 years old OR there have been no payments on it for 6 years, then this is a violation of Sections 18(f),(n) of the Saskatchewan Credit Reporting Act.

http://www.qp.gov.sk.ca/documents/English/Statutes/Statutes/C43-2.pdf

You may have to contact the Saskatchewan provincial registrar responsible for licencing credit bureaus in order to force the bureaus to obey the law. Hopefully, (s)he'll be more of a consumer advocate than Brian Pitkin is in Ontario.

Meanwhile, I see General Credit is looking for more staff. (Aren't they all?
Such a rewarding job! )

http://www.generalcreditservices.com/feed_back.asp

general credit put a collection on my equifax but i honestly don't think it is my debt.I paid any bad debt off years ago and have had perfect credit for years,If it actually is my debt it would have been paid off years ago but its so long ago(7 years) i don't have any receipts from then.How do i know its really my debt and isn't 7 years to long to come collect it.They've basically wrecked my perfect credit which i might add is over a 400 dollar amount.