@freedom
If you were a regular reader of my posts, you wouldn't be making these incorrect statements. T.J. has been trying to educate you as to the proper "purge" rules. So once again, I will clarify the situation.
Both Equifax and TransUnion both state that all accounts "purge" 6 years from the "Date of Last Activity". That is technically incorrect.
Both credit bureaus "purge" all accounts containing "Derogatory" information 6 years from the "Original Date of Default with the Original Creditor". Equifax "purges" accounts containing "Non-Derogatory" information 6 years from the "Date of Last Activity". TransUnion "purges" accounts containing "Non-Derogatory" information 20 years from the "Date of Last Activity".
If all accounts only contained "Non-Derogatory" information, the "purge" rules would be simple. But when you introduce accounts with "Derogatory" information such as "defaulted" payments, bankruptcies, consumer proposals, etc., now the "purge " rules start to get complicated. If both Equifax and TransUnion attempted to explain these rules on their website or on their Credit Reports, the public, such as you, would be totally confused. And so, it becomes much easier to state that all accounts "purge" 6 years from the "Date of Last Activity".
All Consumer Reporting Acts in all the Provinces and Territories do not permit a credit reporting agency such as Equifax or TransUnion to report any account with "Derogatory" information beyond 7 years. The policies of both Equifax and TransUnion are that all accounts containing "Derogatory" information are "purged" after 6 years from the "Original Date of Default with the Original Creditor". All Consumer Reporting Acts are "silent" about accounts with "Non-Derogatory" information. Therefore, the policy of Equifax is to "purge" accounts with "Non-Derogatory" information 6 years from the "Date of Last Activity" while the policy of TransUnion is to "purge" accounts with "Non-Derogatory" information 20 years from the "Date of Last Activity".
I trust this explanation of the "purge" rules clarifies the situation.
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Educating one Consumer at a time