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Your credit story has a next chapter. Start with the facts.

Credit-report errors in Canada

Check your reports for mistakes and use the relevant dispute process.

Get help with a credit-report error

Get your conversation guide before sharing contact details.

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  • No credit check in this form
  • No obligation

Editorial approval pending.

General information, not personal advice.

What to consider

You can approach the credit bureau and reporting organization directly.

Who can help?

Credit bureaus and the reporting creditor. This describes a provider type, not a confirmed DebtHelpers partner.

Questions to ask

  • What evidence supports the correction?
  • Which bureau or creditor reported the information?

MAKE THE CONVERSATION COUNT

Three things to have handy

  • 1The bureau and entry involved
  • 2Statements or receipts supporting the dispute
  • 3Notes from any contact with the reporting creditor

A preparation guide, not an application checklist. Keep documents with you; this form does not ask for uploads or account numbers.

A correction is different from a credit-score promise

Identify the specific entry you dispute: an unfamiliar account, an incorrect balance or a payment recorded incorrectly. Gather evidence and raise the issue with the bureau and reporting organization. Credit bureaus must correct errors for free; paying for a product is not a prerequisite.

Keep a short record of the dispute

For your own records, note the entry, why you believe it is wrong, the supporting documents and the dates you contacted each organization. That makes a follow-up conversation more precise. Do not upload your report or identity documents to this questionnaire.

What if I do not recognize an account?

An unfamiliar account may indicate fraud. Contact the affected lender and credit bureaus promptly rather than waiting for a general enquiry. The official FCAC guidance below explains the fraud-alert and reporting steps.

Turn “something looks wrong” into a clear next step.

Get your conversation guide: who to speak with, what to ask and what to have handy. No contact details needed to see it.

Get help with a credit-report error

Check the source

FCAC: Credit-report errors

This brief is a starting point. Rules, availability and individual circumstances may change the options. The source link is an editorial reference, not a paid referral.

Related options

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