Score Increase
+87
Since joining CreditKO
Active Disputes
4
2 awaiting response
Items Removed
1
Collabria late payment
Days Remaining
17
Fairstone deadline
⚔️ Active Disputes
View All →
| Creditor | Bureau | Status | Days Left |
|---|---|---|---|
Collabria Late Payment | Equifax CA | Removed ✓ | Done |
Fairstone Collection | TransUnion CA | Fighting | 17 days |
Home Trust Balance Error | Equifax CA | Letter Sent | 23 days |
FinanceIt Duplicate | TransUnion CA | Queued | — |
⚡ Next Steps
✓
Completed
Collabria Dispute Won
Late payment removed from Equifax CA · +61 pts
!
Action Needed
Follow Up on Fairstone
17 days left · Send follow-up letter if no response
○
Queued
Generate FinanceIt Letter
Duplicate account on TransUnion CA — high impact
📊 Score Progress
724
EQUIFAX CA
🔴 Equifax CA
724
↑ +61 pts
🔵 TransUnion CA
698
↑ +26 pts
🛡️ PIPEDA Reminder
Bureaus must respond within 30 days under Canadian law. No response = file FCAC complaint.
⏰ Fairstone deadline in 17 days. If no response, use the FCAC escalation tool immediately.
⚔️ All Disputes
+ New Dispute
| Creditor | Bureau | Type | Status | Sent | Deadline | Impact |
|---|---|---|---|---|---|---|
Collabria Late Payment · Mar 2024 | Equifax CA | Late Payment | Removed ✓ | Apr 2 | Done | High |
Fairstone Collection · 2023 | TransUnion CA | Collections | Fighting | Apr 18 | 17 days | High |
Home Trust Wrong Balance · 2024 | Equifax CA | Balance Error | Letter Sent | Apr 22 | 23 days | Med |
FinanceIt Duplicate Entry · 2023 | TransUnion CA | Duplicate | Queued | — | — | Med |
Your Credit Union Hard Inquiry · 2024 | Equifax CA | Hard Inquiry | Draft | — | — | Low |
✉️ Generate Dispute Letter
📈 Score History — Equifax Canada
📈 Score History — TransUnion Canada
🎯 Score Goals
Current
724
Equifax CA
Mortgage Target
760
Need +36 more pts
Ultimate Goal
800+
Excellent credit
🛡️ Your Rights Under PIPEDA
✓
Right to Access
You have the right to see all information Equifax Canada and TransUnion Canada hold about you — free once per year.
✓
Right to Dispute
You can challenge any inaccurate information on your credit file. Bureaus must investigate within 30 days.
✓
Right to Correction
If an error is confirmed, the bureau must correct it and notify anyone who received your report in the past 60 days.
✓
Right to Complain
If a bureau violates your rights, you can file a complaint with the FCAC or the Office of the Privacy Commissioner of Canada.
📅 Canadian Reporting Limits
6
Late Payments
Must be removed after 6 years from the date of the last activity or delinquency in most provinces.
6
Collections
Collection accounts must be removed 6 years from the date of last activity — even if unpaid.
7
Bankruptcy
First bankruptcy stays 6–7 years depending on province. Second bankruptcy stays 14 years.
3
Hard Inquiries
Hard credit pulls remain on your file for 3 years but only impact your score for about 12 months.
👤 Profile Settings
💳 Subscription
✅ Pro Plan Active · $39.99 CAD/month
✓
Unlimited Dispute Letters
✓
Both Bureaus (Equifax + TransUnion)
✓
FCAC Escalation Tools
✓
Score Tracking Dashboard