If our investigation verifies that the information is reporting correctly, you may add a word explanatory statement in your report to explain your dispute. Exception: words in Saskatchewan. How do I add a Consumer Statement to my credit report? A If our investigation verifies that the information is reporting correctly, you may add a word explanatory statement in your report to explain your dispute.
TransUnion requires the request in writing accompanied by a minimum of two pieces of acceptable identification. Together these combined pieces must contain your name, current address, date of birth and signature.
This statement is referred to as a consumer statement. This statement should serve as an explanation of item s contained in your credit history to companies viewing your credit report. Your statement can be removed at any time at your written request otherwise is maintained on your file for 6 years. A score is a numeric evaluation of your credit file made at a particular time i.
Therefore, a score is not part of your credit report. As the information in your credit report changes, the score may change. Credit history information in your credit report, such as the number of credit related inquiries, outstanding balances, number of accounts, age of account, etc, is considered when calculating the score.
Therefore, we are unable to accept a dispute regarding your credit score. We can however, investigate the information on your credit report if you believe it is inaccurate or incomplete. If your report is updated, this may have an effect on your score if the change includes one of the factors mentioned above. How do I remove or update my Fraud Statement?
Should you wish to remove the protective statement from your credit report or extend its expiration, TransUnion requires the request in writing accompanied by a minimum of two pieces of acceptable identification. Please note: If your disputed account s have not been deemed fraud by a creditor, your statement will be removed.
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Should you wish to amend the address or phone number you have provided, you will be required to send a minimum of two pieces valid, non expired acceptable identification that verifies the change in address. Any changes to the statement such as your contact details will also extend the warning for additional 6 years for the updated date. Otherwise, you may merely suspect that fraud has occurred. If you are the victim of a credit fraud crime, you should take certain steps to protect yourself and your rights.
As a victim, you are required to take steps to protect your rights. Your credit may have been damaged in the process. With your help and patience, we can help you resolve your situation. To make the process as manageable as possible, we have prepared the following procedures to help you resolve any problems with your creditors, remove inaccurate information from your credit report and prevent any further fraud from occurring. We hope these steps will help clarify your situation. The following steps will assist you to restore your credit:. How long does a fraud alert stay on my credit file?
The statement remains on your file for a period of 6 years from the date reported. The statement requests that creditors viewing your complete report contact you before making a decision to extend credit based on the information in your credit report. The protective statement is applied to your credit file and a copy of your report will be mailed to you upon receipt of proper identification. What is the age of Majority in my Province in which I can place a fraud warning on my file?
TransUnion does not maintain credit records for individuals under the age of majority in their current province of residence.
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You must be the age of majority in your province in order to place a fraud alert. The age of majority in the individual provinces and territories of Canada is as stated below. How can I update my contact information in my fraud alert? Any changes to the statement need to be sent in writing with two photocopied pieces of identification. How can I contact your Fraud Department? Who else can I contact while I resolve my fraud situation? Print this list of phone numbers to use and keep for reference during your fraud resolution process.
If I add the fraud statement for six years, will I still be able to get credit?
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The statement requests that creditors evaluating your application contact you directly to ensure that you are the person applying for the credit. Once your identity is confirmed, the credit decision and terms are up to the creditor. Does adding a fraud warning prevent information from updating to my credit file? A fraud flag does not prevent changes from being made to your file without your authorization. In Ontario, the legislation mandates that financial institutions and other mandated organizations upon receipt of a fraud warning, take reasonable steps to identify the consumer that they are entering into specific transactions with.
If you wish to monitor changes to your credit file, we recommend a visit to our website at www. Please note that there is a fee for enrolling in this service. How can I place a fraud warning if I hold Power of Attorney for a consumer? This is to ensure the Power of Attorney is current and valid. How can I place a fraud warning on a deceased consumer file if fraud has occurred? If the deceased address is noted on the Death Certificate, TransUnion will accept it as viable address verification for the deceased. The SIN number will remain in a protective state indefinitely and a note will also be placed onto the credit report to indicate that the consumer is deceased.
You can obtain a free copy of your Consumer Disclosure online through our self-service website. Click Here to visit our self-service website. You can also request a copy of your Consumer Disclosure by phone or mail, and it will be mailed to you. To review the options for receiving a copy of your Consumer Disclosure, please refer to the Consumer Disclosure section of our website.
There are three ways you can add a Potential Fraud Alert to your credit file:. For a former resident of Canada TransUnion requires both sides of two pieces of photocopied identification indicating last Canadian Address plus current proof of address from current country of residence for mailing. Together these combined pieces must contain your name, current address, last Canadian address, date of birth and signature. Is it possible to transfer credit information from Canada to the United States or another country?
TransUnion in the United States or other countries do not have access to your TransUnion Canada credit file and cannot transfer this information to a U. Many United States creditors are able to obtain a copy of your Canadian credit report when directed to therefore, when applying for credit in the United States , we recommend that you advice your creditors that you previously have an established credit history in Canada. How old do I have to be before I can have a credit file at TransUnion?
Our file creation rules comply with the age of majority in the individual provinces and territories of Canada as listed below:. How do I add a Fraud Alert to my credit report? Please contact the Fraud Victim Assistance Department: For English speakers in all provinces except Quebec, please contact us between the hours of a. ET at For French speakers in all provinces and English speakers in Quebec, please contact us during the hours of a. ET Monday to Friday at the following phone numbers: or in Montreal The statement advices that creditors viewing your report contact you before making a decision to extend credit based on the information in your credit report.
The protective statement is applied to your credit file and remains for 6 years, however if any time you wish to have the statement removed, we require a written request with two pieces of acceptable identification to do so. How can I identify who some of the creditors are on my report so that I may contact them about my accounts?
You may also contact the Consumer Relations Centre at if more information is required. If I pay accounts, will they come off my credit report?
If an account is paid and does not contain any adverse information, the account will remain on your file for twenty 20 years from the last date of activity. This information assists creditors to understand the type of credit you have managed successfully in the past. If you have paid an account that was not paid in agreement with the contract with the lender, this account will report for six 6 years from the date you first became delinquent on the account.
Why are some of my accounts showing as joint, even after a divorce? The creditor is currently reporting the disputed information as a joint obligation. When co-signing for credit, you are equally responsible for repayment of that obligation. Unless you and the creditor agree to remove your name from the account, we will report these debts and subsequent credit information in the names shown on the contract or application.
If the creditor agrees to release you from any obligation, please notify us immediately and we will re-investigate the account. A divorce decree does not override an original contract with a creditor. Any credit history established jointly before a divorce can be reported under both names shown on a contract or an application.
If you have notified the creditor s and they are willing to release you from your obligation, please notify us and we will re-investigate the account.
What is an inquiry? An inquiry is a notation on your TransUnion credit report showing that someone requested to utilize information contained in your credit report. Often, when you apply for credit, tenancy, employment or insurance, they request your consent to obtain a copy of your credit report to assist with their decision. Contact numbers are provided for each organization listed that has inquired on your file. If you do not recall authorizing their use of your information, please contact them to identify what authorization they obtained to access your information.