Account on my credit report 9 years later?

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Account on my credit report 9 years later?
« on: May 28, 2014, 08:19:33 PM »

I was wondering something.  I was discharged from my bankruptcy in 2005.  I received an absolute discharge. 

I recently was looking at my credit report on Equifax Canada's website, and I noticed that one of my accounts that was included in my bankruptcy is still on my credit report. 

It's an HSBC Finance installment account.  It even notes in the comments that it was included in the bankruptcy.

All of my other accounts that were included in the bankruptcy do not appear on my credit report. 

I don't do well speaking on the telephone and am nervous about calling to inquire. 

I guess I just wanted to make absolute certain that it should not be showing before I call.  It seems to me that it shouldn't be.  Am I right, or am I wrong? 

Thank you!



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Re: Account on my credit report 9 years later?
« Reply #1 on: May 28, 2014, 10:07:27 PM »
It depends. If you have been bankrupt multiple times, bankruptcies stay on your credit reports for 14 years. In certain provinces, such as PEI, judgements stay on for a longer period of time. Google "Understanding your credit report and credit score". The first hit is a document by the Financial Consumer Agency of Canada, which is a federal department. It may be helpful.

Secondly, you can always go to the "How can I correct an inaccuracy in my Equifax credit report?" section of Equifax's website. You can't correct the information over the phone, but you can send them in documentaiton so that you can update your file.



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Re: Account on my credit report 9 years later?
« Reply #2 on: June 03, 2014, 11:51:52 PM »
Dear Saint John

Print a form at  Equifax website  called Investigate  your file or dispute inaccuracy in your file  you could update your file in less than 1 month,  sometimes they just do not do a good job but if you dispute your file, they will fix it.
they have made some errors in my credit report, I fixed them all.

Good luck


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