Credit Bureau

To ensure that your credit report is as accurate as possible with Equifax you can reach them at the address below:

Equifax Canada Inc.
Box 190
Station Jean-Talon
Montreal, Quebec
H1S 2Z2
Phone: 1-800-465-7166

Facsimile: (514) 355-8502

1. What does Equifax do?

Equifax helps people and businesses complete financial transactions. Each year millions of people use credit cards, lease cars, negotiate loans, apply for jobs, and insure their lives, health, homes and property. To process these transactions securely and efficiently, all participants require timely and reliable personal information. Equifax is a central repository of information for its members. In turn, we secure and maintain this database and allow its use only by our member banks, retailers, insurers, and other organizations for establishing and maintaining relationships with their customers.

2. What information do we manage?

Equifax gathers and reports information that consumers and businesses recognize as necessary to conduct business. For example, for a lender to approve a credit transaction, we collect and provide information about a consumer's loans and credit cards, including the dates opened, dates of last activity, terms agreed to, balances, current status of accounts, and payment histories.

Consumers have the right to review their own file, to ask questions, and to correct inaccurate information.

3. What do we do with this information?

Information is gathered and stored in databases for retrieval when a transaction takes place. The information we maintain is historical in nature and used repeatedly. For example, before making a loan, one of the most common methods for determining credit worthiness is to review how a person has managed their financial obligations in the past. Historical information is purged automatically as it ages according to established guidelines in order to ensure that the information retained by Equifax is timely, relevant, and meets legal requirements.

4. What does Equifax do with the information I provide online?

Equifax Consumer Services Canada www.econsumer.equifax.ca provides consumers online, real-time access to their credit information. Consumers provide personal information during the order process for their credit information so that Equifax can verify their identity and immediately deliver their credit report. The consumer information collected online may be used later to provide relevant notifications and special information to each consumer.

Consumers have the ability at any time to go to My Equifax on the Equifax Consumer Services Canada web page to review and change their password, email address, and password hint. Other personally identifiable information (PII), such as name, postal address, date of birth and Social Insurance Number (optional), are collected and stored when consumers order an Equifax product online. We are unable to provide consumers with access to these data since this information is not maintained in a form retrievable by the consumer. This data is maintained in order for Equifax to comply with legal requirements regarding billing, to provide customer support services, and to facilitate Equifax notices of new services or enhancements. Changes, corrections or updates to that PII require consumers to re-register at the website.

5. How does Equifax benefit consumers, businesses, and the economy?

Each day Canadian consumers buy homes, cars, and major appliances. Many of these transactions are made on credit. The availability and reliability of credit history information makes it possible for these transactions to occur rapidly and efficiently.

6. Who can request or obtain consumer information?

The consumer, who is the subject of the report, has the right to know the contents of a report provided about him or her. Information received or reported by Equifax is available to the individual consumer. If a consumer questions any information in the report, we will verify the information and make any corrections if the information is incorrect or outdated. If we are unable to confirm any particular piece of information, we will remove it from the report. If we have confirmed that a piece of information is correct on a consumer report, yet the consumer still has a concern, we will include the consumer's statement about this disputed information on their credit report. A member of Equifax may also request a consumer file according to their membership agreement.