Canadian credit report dispute counsel
Inaccurate credit reporting costs Canadians mortgages, tenancies and employment. We audit your Equifax and TransUnion disclosures against the statutory record and pursue corrections in writing, as counsel — not as a credit repair service.
No credit score guarantees. No gimmicks. Statutory dispute work supervised by a licensed Ontario lawyer.
What we examine
- Tradelines reported beyond the statutory retention period
- Discharged bankruptcies and completed consumer proposals still shown as active
- Duplicate reporting by both creditor and collection agency
- Personal identifiers, addresses and employment recorded in error
- Collection fees and notices that legislation does not permit
Practice areas
Each mandate is handled as a legal file with a documented statutory basis, a tracked deadline and an audit trail.
Credit Report Inaccuracies
Obsolete, duplicated or factually wrong tradelines removed under consumer reporting legislation.
Read moreEquifax Canada Disputes
Formal statutory dispute correspondence and escalation where Equifax fails to correct your file.
Read moreTransUnion Canada Disputes
Investigation demands, reinvestigation deadlines and regulator escalation for TransUnion files.
Read moreCollection Agency Conduct
Unlawful contact, unverified debts and prohibited collection fees challenged in writing.
Read moreOriginal Creditor Disputes
Banks, telecoms and lenders held to their reporting accuracy obligations at source.
Read moreA disciplined four-stage process
Confidential intake and file review
Statutory discrepancy audit of your disclosure
Lawyer-reviewed dispute correspondence
Deadline tracking and regulator escalation
Ready to have your credit file reviewed?
Confidential, no obligation, reviewed by counsel.