If the consumer declares more than one bankruptcy, each bankruptcy will remain on the file fourteen (14) years from the date of each discharge. Registered Consumer Proposal, Voluntary Deposit - Orderly Payment of DebtsĪ registered consumer proposal, voluntary deposit, and orderly payment of debts is purged three (3) years from the date paid or six (6) years from the date filed, whichever occurs first.Ī bankruptcy will automatically purge six (6) years from the date of discharge in the case of a single bankruptcy. If you engage in a Debt Management Program (DMP) with a credit counselling agency, it will automatically purge from the file two (2) years from the date the DMP is paid in full or six (6) years from the start date of the DMP, whichever occurs first. Negative banking information related to chequing or savings accounts will automatically purge from the file six (6) years from the date reported. There are timeframes for how long different types of information may remain on your Equifax credit report.Īn inquiry made on the credit file will automatically purge three (3) years from the date of the inquiry.Ī credit account will automatically purge from the file six (6) years from date of last activity. When filing a dispute, it’s helpful to include the Equifax Reference Number provided on your Equifax credit report, if available. Please refer to the instructions provided on your dispute request form for additional requirements.Release letters from lenders, collection agencies or satisfaction of judgment.Bankruptcy discharge or other court documents.last 4 digits of the account number, amount, paid/settled, etc.) Letter from creditor/lender confirming the status, ownership, and details of the account (e.g.Proof that an account was created through or impacted by identity theft.Letters from a creditor supporting your claim.Current bank statements with account information.(e.g., utility bills or financial statements.) 1 proof of address (dated less than 90 days old) confirming your legal name and current address. If the current address is not indicated, you must also provide 2 valid government-issued ID (front and back) confirming your legal name, date of birth, and/or current address (e.g., driver's license, passport, birth certificate, etc.).
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