In Ontario, there are laws governing credit reporting agencies, which collect and maintain information about consumers' credit records.
Consumer Law – Credit records
Credit records
Browse Related Resources
One of the largest sources of complaints to the Ministry of Consumer Services is consumer (credit) reporting agencies. This toolkit has information about reporting agencies, credit files, credit reports, how to correct inaccuracies in credit files,...
Available in:
EnglishProduced by:
Community Law School (Sarnia-Lambton) Inc.
Produced In:
2013
Format:
Audio, Booklet/PDF, WebinarThis publication explains the legal rules for businesses that promise to "fix" or repair credit reports. It also explains why these services may often not be worth paying for, and suggests other ways for people to deal with credit and debt problems....
Available in:
English
Produced In:
2013
Format:
Booklet/PDF, WebThis publication explains what a credit report (or "consumer report") is, and the legal rules for what information can and cannot be included in a credit report, who can access it, and how it can be used. It outlines how to get corrections made to a...
Available in:
English
Produced In:
2013
Format:
Booklet/PDF, WebThe web site of the Ontario Ministry of Consumer Services has information in multiple languages about the rights of consumers. Among the topics covered are: Auto Repair Shops, Collection Agencies, Door-to-Door Sales, Home Furnishings, Identity Theft,...
Available in:
English, français (français)The section on Personal Finances on the Ministry of Consumer Resources web site offers advice to consumers on how to protect their name and gives information about consumer rights and obligations.
It looks at these topics and provides links:...
Available in:
English, français (français)This booklet describes what happens when a homeowner falls behind on mortgage payments, how lenders recover funds in Canada, options for homeowners if they fall behind on their payments, and selling a house before foreclosure.
Available in:
EnglishProduced by:
Consolidated Credit Counseling Services of Canada
Produced In:
2010
Format:
Booklet/PDFThis booklet looks at what people should do about getting their financial affairs in order before discussing divorce, what kind of information people should have about their finances, what to do about individual and joint bank accounts, and how to get...
Available in:
EnglishProduced by:
Consolidated Credit Counseling Services of Canada
Produced In:
2010
Format:
Booklet/PDFThis 80-minute webinar, presented by Margaret Capes, Legal Education Coordinator of Community Law School (Sarnia-Lambton) Inc., looks at credit reporting agencies, credit files, credit reports, and how to correct inaccuracies in credit files. It...
Available in:
EnglishThis webinar focuses on how consumers' rights are protected by the Pay Day Loans Act and enforced through the courts and the Ministry of Consumer Services. It looks at how the legislation protects consumers by requiring cooling-off periods, written...
Available in:
EnglishThis web site has information about various areas of law, such as small claims court, criminal injuries compensation, Ontario Works (OW), Ontario Disability Support Program (ODSP), landlord and tenant law, administrative tribunal procedures (Statutory...
Available in:
EnglishThis 65 minute webinar, presented by Margaret Capes, Legal Education Coordinator of Community Law School (Sarnia-Lambton) Inc., discusses the protections for consumers that come under the Ontario Collection Agencies Act. It also describes the best way...
Available in:
EnglishThis web page outlines the rights that Ontario law gives to people who use payday loans. It lists the information that lenders must provide on the first page of the contract. It also describes new rules that will affect advertising, borrowing charges...
Available in:
English, français (français)On August 1, 2007, the Ontario government passed regulations under the Consumer Protection Act that require payday lenders to provide borrowers with clear and full information about the cost of borrowing. This newspaper article explains what a payday...
Available in:
EnglishThis resource is a tool for low-income people to maintain personal records and keep important government correspondence in order. Created by the Clinique juridique populaire de Prescott et Russell, the kit contains envelopes for organizing documents a...
Available in:
English, français (français)
Produced In:
2006
Format:
Booklet/PDF
