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Steps to Dispute Errors on Your Credit Report

Your financial stability depends on maintaining correct credit information. Your ability to get loans, mortgages, and credit cards is significantly impacted by your credit report, which is a key factor in establishing your trustworthiness. Sadly, mistakes on credit records happen frequently.

Inaccuracies in payment history and erroneous personal information are also mistakes that might lower your credit score. It's crucial to act quickly to correct any inaccuracies you find on your Canadian credit report. We will walk you through the crucial measures to find and challenge inaccuracies in this article, assisting you in preserving your creditworthiness.

You're not alone

Helped with $ 27,000 $ 41,500 $ 35,000 $ 17,000 $ 23,500 $ 46,340 $ 21,000 $ 35,000 $ 26,700 $ 65,500 $ 57,400 $ 17,500 $ 75,500 $ 63,000 $ 35,000 $ 18,500 $ 55,000 $ 85,500 $ 43,000 $ 29,500 $ 27,800 $ 41,200 $ 35,800 $ 85,000 in debt

1 day 3 days 3 days 8 days 7 days 6 days 12 days 9 days 3 days 6 days 1 day 4 days 2 days 1 day 7 days 5 days 8 days 6 days 12 days 16 days 5 days 8 days 2 days 7 days ago in debt in

Orillia Huntsville Peterborough Toronto Brampton Kitchener Mississauga Hamilton Belleville Kingston Cornwall Oshawa Ajax St. Catharines London Sarnia Windsor Sault Ste. Marie Elliot Lake Sudbury North Bay Timmins Thunder Bay Ottawa

1 Obtain a Copy of Your Credit Report

You must first get a copy of your credit report from one of Equifax Canada or TransUnion Canada, the two biggest credit agencies in Canada, before you may contest any inaccuracies. You are legally entitled to one free copy of each bureau’s annual credit report. You have three options for requesting your report: online, by mail, or in person at their offices. It is advised to get reports from both agencies because the data may differ.

 

2 Review Your Credit Report Thoroughly 

Once you obtain your credit reports, thoroughly check them to see if there are any mistakes or inconsistencies. Pay particular attention to your:

✔ Name

✔ Address

✔ Social Security number

✔ Credit accounts

✔ Balances

✔ Payment history

and any adverse remarks

Highlight any inaccurate information, such as accounts you don’t recognize, late payments that were received on time, or wrong balances. Watch out for any indications that your identity may have been stolen, such as strange inquiries or accounts that were unintentionally established in your name.

 

3 Gather Supporting Documentation

Compile supporting evidence that demonstrates the mistakes on your credit report to support your dispute. This might include copies of your payment receipts, bank statements, letters to your creditors, and any other supporting documentation. To strengthen your case, make sure your documents are precise and well-organized.

 

4 Contact the Credit Bureau and File a Dispute

Reach out to the credit bureau(s) and submit a dispute once you’ve located the mistakes and obtained any necessary supporting documentation. Typically, you may submit this through mail or online, but check the bureau’s website for details on how to do so. A copy of the supporting documentation you gathered is included, along with a thorough justification of each inaccuracy.

The credit bureau is required by law to look into your complaint within a reasonable amount of time, often 30 days. They’ll get in touch with the creditor or lender linked to the disputed information and ask for confirmation. The credit bureau is required to delete or fix the inaccuracy if the creditor doesn’t react or can’t offer enough justification.

 

5 Inform the Creditor or Lender

Notify the lender or creditor of the mistakes on your credit report simultaneously. This stage is crucial since the credit bureau might need to verify anything as part of their inquiry. Inform the creditor of the error, any applicable account numbers, and copies of any supporting documentation in a formal written dispute letter. Ask them to update their records with the credit bureaus and send you formal proof of the update.

 

6 Follow Up and Monitor Your Credit Report

Monitor your credit report frequently after submitting a dispute to make sure the problems are fixed. You should get an updated report from the credit bureau that reflects any modifications made as a consequence of your dispute. Follow up with the credit agency and creditor to seek resolution if the inaccuracies continue or if you run into any issues while going through the procedure. Keep meticulous notes of all your communications, including the times and names of the people you communicate with.

 

 

Secure Your Financial Future

Are you struggling with loads of debt? Contact National Debt Relief, a leading debt relief program service in Canada, that can help you take charge of your financial future! Our team of professionals is available to assist you. 

Don’t allow mistakes to prevent you from reaching your financial objectives. Get in touch with National Debt Relief to begin your road toward a more secure financial future.

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Jennifer Chenier
Jennifer Chenier
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I was lost ... single mom... off due to Covid for 3 months .. did what it took to pay bills and look after my kids... and left with nothing but a tonne of debt I could not keep up with 😢. And then ....I met Connie.. Connie gave me my life back. The entire experience was like talking to my mother. She was full of compassion and knowledge and took me under her wing for this entire process. She turned tears into smiles and hope . She reassured me.. and made me feel like it was Going to be ok. I can’t thank her and the team (Paul) enough for helping me through this . I highly recommend National Debt Services to anyone looking for help with their debt . Start living again ❤️. Thanks Connie Jen
Katherina Preston
Katherina Preston
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"So glad I finally had the courage to make the call" Suma was amazing.. she guided me through my options and got the answers to all my questions. By the end of our very first phone conversation I had hope again...finally...no more sleepless nights worrying my debt ....Thank you National Debt Relief Services
Chris V
Chris V
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I would just like to thank Suma for really making feel comfortable throughout this entire process. Everyone tells you to watch out for gimmicks, quick fixes, and everything else that comes with Debt. Ive had other companies who had made promises and under delivered. However Suma and her team are quick to provide the right answers and guide everyone in a way towards better credit. She has made it seamless with great communication and availability. I have personally referred her to several of my closest friends and i would recommend her to anyone else looking for consolidation.
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Top 5 Key Benefits of our Ontario Debt Relief Program:

To know more what you can benefit from our Ontario Debt Relief Program, simply try our Debt Consolidation Calculator below and one of our debt specialists will get in touch with you and provide you the best debt relief option that fits your situation.

Do you want to experience Peace of Mind from all of these?

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Talk to us! We will help you get out of debt.

We will help you reduce as much as 75% of your debts and consolidate it into a single affordable monthly payment. Your creditors will stop harassing you and all interest will freeze if you get into our Ontario Government Debt Relief Program.

Many Ontarians are already benefiting from our Debt Relief Program, YOU should too!

Find out how much you can write off portion of your debts by getting your Free Savings Estimate below. A debt specialist from National Debt Relief Services in Ontario will discuss all options and provide you tailor-fitted Debt Relief Program.

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Frequently Asked Questions

A Debt Consolidation is a negotiated debt settlement offer made between you and your creditors with the help of a Debt Relief Agency in Ontario. Some key benefits of Debt Consolidation are interest-free program, no upfront fee required, combined monthly payment into one affordable amount, no lawsuits, and many more.

Yes, your assets are safe from creditors. A licensed debt relief agency in Ontario will help you come up with an offer to your creditors that will make sure your assets will be out of the paper.

No, in fact, this is one of the great advantages of a Debt Consolidation Program. All wage garnishment will stop from the day you filed the proposal.

The effect on your credit score is not going to be severe. Your credit score will most probably go to R7 Rating and will remain in your credit report for another 3 years after you completed the program. This means that it will not be permanent and you will still be able to rebuild your credit score.

 

This varies depending on the proposal you will be discussing with the help of a certified debt relief agency. It is also worth noting that debt consolidation cannot exceed more than 5 years.

If a debt is shared, you need to file a joint debt consolidation offer to your creditors. However, in most cases, in which the debts are individually incurred will have no impact on your spouse.

After three missed payments, your debt arrangement with creditors will be broken and you will end up getting chased again for the original debt amount plus interest.

A debt consolidation offer can be paid off earlier if you can. In this way, you receive your “Certificate of Completion” sooner and you can immediately start rebuilding your credit score. 

National Debt Relief Services Ontariois a certified Canadian Debt Relief Agency that offers FREE CONSULTATION to your debt consolidation needs. We value the trust given to us by our clients by making sure your personal information is confidential and private. Our personalized plans are designed to tailor fit your financial capacity. Our specialists will get in touch with you by simply answering a few questions thru the link provided below.

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See What Our Customers Have To Say

Dawn Friesman
Dawn Friesman
20/09/2020
I've been working with Allicia Macdonald shes very professional and sweet. I cant thank her enough for helping me rebuild my life. Thank you so much.
Chantal Rolfe
Chantal Rolfe
18/09/2020
Today I had a wonderful experience with Rachael, she was Very professional I was very happy with what we talked about today she was very Caring I highly recommend national debt relief services hundred percent😃
Jennifer Magill
Jennifer Magill
18/09/2020
Brittany was awesome, she explained everything clearly and offered solutions every step of the way. It’s always nice to hear that you could do this or that, I didn’t feel forced to do anything and was able to decide clearly. Thank you 🙏🏼
Dave Tonnos
Dave Tonnos
18/09/2020
This company will work with you and through any difficulties that may arise. They actually hold themselves accountable, how refreshing during troubling economic times.
marian kamara
marian kamara
18/09/2020
I have a great experience working with Suma, she work me through the program, takes her time to explain everything to me about how the program work, what I need to do from start to end of the process. I’m so thankful to God for sending an angel Suma to help relief my debt. It’s a great company to work with. I will recommend this program for anyone in debt like me.
Donna Hutchings
Donna Hutchings
18/09/2020
Connie B. was absolutely awesome! She explained everything in detail to me. Very professional to work with and takes the time with you. She really has compassion. So glad she helped me out. Thank you
lynn collins
lynn collins
18/09/2020
Joel has made this so simple and effortless he made sure i was well informed and making the right decisions for my situation i would recommend joel at national dept Relief to anyone in hardship with there bills thanks alot joel i really appreciate everything you have done for me thanks!! 5 stars for sure! and its chad ball not my mom lynn lol
Billy Bong
Billy Bong
17/09/2020
I had a great experience with Brittany, so helpful and understanding. Never felt like I was being pressured or rushed into anything. She was always there with answers to my questions. Thanks for all the help and peace of mind you helped me achieve.
Amber-lyn Miller
Amber-lyn Miller
17/09/2020
Let’s Just Put It Simple....... Not All Hero's Wear Caps........I spoke with Suma over a fairly lengthy period of time because of my busy schedule and lack of free time on my part, and she was not only extremely patient and understanding, but also beyond helpful And informative. Any question I had and no matter how many times she had to explain it to me she took her time to make sure I completely understood every single step and process before she moved on to the next thing. I have been so stressed out and worked up about my debt and trying to figure out how to fix it all since I know I will not be returning to work at all in the future because of medical issues and being 26 with that realization makes things just that more stressful but Suma made everything so easy and my payments are $100 a month for less then 5 years with no interest or penalties for early pay off. I’m so glad that I didn’t settle with some other place that was asking for $350 + a month for 7-12 years and paying off early would cost you more.
Jessica Preston
Jessica Preston
17/09/2020
Caroline F. was phenomenal, she was so helpful, understanding and compassionate. Caroline did not make me feel bad for my mistakes, she was supportive and caring, she helped me through this dark time in my life I'm so incredibly happy I crossed paths with her. Thank you Caroline for being so wonderful to me! <3

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