I think there might be a mistake in my credit report. What can I do?

Question: 
I think there might be a mistake in my credit report. What can I do?
Answer: 

The following answer is taken from Personal Finances, produced by the Ontario Ministry of Consumer Services.To request a copy of your credit file, you can contact one of two major national credit bureau agencies free of charge. In fact, you may want to contact both, as they may have different information on file:Equifax CanadaTransUnion CanadaAt your request, a credit reporting agency must give you a copy of all the information contained in your credit history and personal information files. The information they give you must be easily read and in plain language.If you find information in your file that you believe is inaccurate or incomplete, the agency must confirm or make the information complete or delete it from your file. However, you must supply proof that information is inaccurate when called upon to do so.Once the file has been corrected, the agency must notify anyone who has been given the old report within 60 days in advance of the correction. In addition, at the request of the consumer, the agency must notify persons who received the incorrect report within the previous six months to one year, depending on the circumstances and the type of information contained in the report.If you are not satisfied that your file has been updated correctly:What if I'm not satisfied that my file has been updated correctly?Contact the credit reporting agency. Follow its advice for supplying evidence of corrections.If your problem is still not solved, contact the Registrar of Consumer Reporting Agencies in this ministry at 1-800-889-9768.

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