Credit History
信用记录
PREPAID MASTERCARD / HIGH INT / CASH BACK: https://www.koho.ca/credit-building/
SECURED MASTERCARD / HIGH INT / CASH BACK: https://www.neofinancial.com/
NO FOREIGN EXCHANGE FEE https://www.wealthsimple.com/en-ca/spend
NO ATM FEE DEBIT https://www.eqbank.ca/personal-banking/savings-plus-account
(ROGERS) CASH BACK https://www.rogersbank.com/en
(CDN TIRE) CASH BACK ON PROP TAX PYMT https://www.ctfs.com/content/ctfs3/en/triangle_world_elite_mastercard.html
在加拿大/美国，有2家主要的信用记录公司。分别是 http://www.transunion.ca/ 和 www.equifax.ca 在申请贷款的时候，银行会查每个申请人的信用记录。大部分的客户记录良好, 其中有些是比较小的纠纷， 或者是信用公司数据错误， 建议您和信用记录公司马上联络；其中有些是同名同姓的数据错误， 您需要填好表格， 然后把自己的2份身份证例如护照/驾照/公民卡/枫叶卡/， 银行月结单， 水电账单，等等，和表格一起寄去/传真/EMAIL到信用公司。我们银行用 TRANS UNION 比较多。这里是公司的联络方式。
Phone: 1-800-663-9980
Fax: 1-905-527-0401
It's easy to dispute any inaccurate credit or personal information on your credit report. Simply follow these steps: Download and complete form https://www.transunion.ca/assistance/credit-report-disputes
Make sure you provide the following information:
Full name
Current address
Previous address (if less than two years at current address)
Date of birth
Social Insurance Number (optional)
Employment information (optional)
Telephone number (optional)
Name of the company you have a dispute with (from your credit report)
Account number, if available, of the disputed item (from your credit report)
Reason for your dispute (e.g., you have paid the account, etc.)
Documentation to support the amendment you have requested. If the amendments are to your personal information (e.g., name), please provide supporting identification documentation, such as change of name certificate, marriage certificate, etc.
Equifax Dispute, 1-800-465-7166
https://www.consumer.equifax.ca/personal/dispute-credit-report/
online form,
https://www.consumer.equifax.ca/personal/dispute-credit-report-form/
Start Your Dispute,
https://www.consumer.equifax.ca/personal/new-dispute-modal
How do I submit a dispute?
If you see information on your Equifax credit report that you believe is inaccurate or incomplete, you have two options:
1. Receive a dispute form by email and submit it online.
2. Download and print a dispute form and mail it, with copies of all required documents, to this address:
Equifax Canada Co.
National Consumer Relations
Box 190
Montreal, Quebec H1S 2Z2
What can I expect after filing a dispute?
Once you've filed your dispute documents online or by mail, you can expect the following:
We’ll investigate your dispute
If we’re able to make changes on your credit report based on the information you provided, we’ll do so. Otherwise, we’ll contact the company that reported the information to us to verify the accuracy of the information you're disputing.
We’ll process your dispute in about 15-20 days for online submissions and 20-25 days for mailed submissions
We’ll notify you if we need more information to complete our investigation. After we complete the investigation, we’ll send you a confirmation letter with the results. If you submitted your dispute online, we’ll notify you by email. If you mailed your completed form and documents, we’ll notify you by mail.
What documents do I need to submit?
When you file a dispute, the documentation you need to provide depends on what information you’re disputing. Here are some examples of documents we may need during our investigation:
Personal information
2 valid government-issued ID (front and back) confirming your legal name, date of birth, and/or current address (e.g., driver's license, passport, birth certificate, etc.). If the current address is not indicated, you must also provide;
1 proof of address (dated less than 90 days old) confirming your legal name and current address. (e.g., utility bills or financial statements.)
Account information
Current bank statements with account information
Letters from a creditor supporting your claim
Proof that an account was created through or impacted by identity theft
Letter from creditor/lender confirming the status, ownership, and details of the account (e.g. last 4 digits of the account number, amount, paid/settled, etc.)
Other information
Bankruptcy discharge or other court documents
Release letters from lenders, collection agencies or satisfaction of judgment
Please refer to the instructions provided on your dispute request form for additional requirements
When filing a dispute, it’s helpful to include the Equifax Reference Number provided on your Equifax credit report, if available.