Call Now: 519-217-3484

Financial Calculators:

Links


Resources (serving Headwaters, Dufferin County and Orangeville area):

First time home buyers' Grant - Application

First time home buyers' Tax Credit - HBTC

Mortgage -Fixed vs Variable Comparison Calculator

Real Estate Lawyer - "Chris Harrison B.A. LL.B."

Real Estate Lawyer - "Joost K. Heersche B.Sc., LL.B., M.B.A."

Real Estate Agent - "Cindy Williams"

Real Estate Agent - "Jerry Gould"

Real Estate Agent - "Jon Heath"

Real Estate Agent - "Laurie Drury"

Real Estate Agent - "Linda Horne"

Property Inspector - Pillar to Post "Dennis Jeronimo"

LegalShield, Protect your Privacy - Barb Robinson

Fuel Oil - Birds Fuels

Mobile Tire Services - GoTire

Information on World Bond rates - " Bond Rates"


Credit Reports:

How to get a free CREDIT REPORT on yourself And how to fix it!

To order your free credit report by phone, call 1-800-465-7166

To order your free credit report by mail or fax, please fill in this Canadian Credit Report Request Form and forward to National Consumer Relations using the address or fax number listed on the form.

The form must be completed, with photocopies of your identification to:

National Consumer Relations
P. O. Box 190,
Station Jean-Talon Montreal,
Quebec H1S 2Z2

Or by Fax: 514-355-8502

To get your Credit SCORE (Extra charges may apply)

How to Correct an Inaccuracy on your file

Complete and submit a Consumer Credit Report Update Form ( http://www.consumer.equifax.ca/dispute-ca/canada-cr-update-form/en_ca ) to Equifax.

It would be necessary to specify what information is incorrect or what information does not belong to you. We will be pleased to verify any information afterwards.

You also need to include photocopies of all necessary documents and identification to update your personal Credit Report (Ex: receipts, legal documents, 2 photocopies of pieces of valid identification, including proof of current address)

For a better and faster service, you can send the request by:

Fax: (514) 355-8502
Mail : Equifax Canada Co. Consumer Relations Department, P.O. Box 190, Station Jean-Talon, Montreal, Quebec H1S 2Z2

Equifax will verify the necessary information and mail you a confirmation.

Notes

For Accuracy Update

Equifax will review any new details you provide and compare it to the information in our files. If our initial review does not resolve the problem, we will contact the source of the information to verify its accuracy. If the source informs us that the information is incorrect or incomplete, they will send Equifax updated information and we will change our file accordingly. If the source confirms that the information is correct, we will not make any change to our file. In either case, you may add a statement to our file explaining any concerns you have. Equifax will include your statement on all future credit reports we prepare if it contains 400 characters or less.

If Equifax changes our file in response to your request, we will automatically send you an updated credit report to show you the changes. At your request, we will also send an updated credit report to any of our customers who received one within 60 days before the change was made.

How long does Equifax retain credit information

CREDIT INQUIRIES TO THE FILE

An Inquiry made by a Creditor will automatically purge three (3) years from the inquiry date. The system will keep a minimum of five (5) inquiries.

CREDIT HISTORY AND BANKING INFORMATION

A credit transaction will automatically purge from the system six (6) years from the last activity date. All banking information (checking or saving account) will automatically purge from the system six (6) years from the registration date.

VOLUNTARY DEPOSIT - ORDERLY PAYMENT OF DEBTS, CREDIT COUNSELING

When voluntary deposit - OPD - credit counseling is paid, it will automatically purge from the system three (3) years from the date paid.

REGISTERED CONSUMER PROPOSAL

When a registered consumer proposal is paid, it will automatically purge three (3) years from the date paid.

BANKRUPTCY

A bankruptcy automatically purges six (6) years from the discharge date in the case of a single bankruptcy. If the consumer declares several bankruptcies, the system will keep each bankruptcy for fourteen (14) years from the date of each discharge. All accounts included in a bankruptcy remain on file indicating ?included in bankruptcy? and will purge six (6) years from the last activity date.

JUDGMENTS, SEIZURE OF MOVABLE/IMMOVABLE, GARNISHMENT OF WAGES

The above will automatically purge from the system six (6) years from the date filed.

COLLECTION ACCOUNTS

A collection account under public records will automatically purge from the system six (6) years from the last activity date.

SECURED LOANS

A secured loan will automatically purge from the system six (6) years from the date filed. (Exception: P.E.I. Public Records: seven (7) to ten (10) years.)

Click here to go directly to the Equifax website

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