Check out Monty's credit repair ebook for your answers: /canadian-credit-repair-ebook.html

All items on your credit report need to be accurate and verifiable - you can get it removed.

Is the debt yours? I don't like the idea that a collection agency can enter your credit file without your consent and on top of that also enter their information.

Can I not have it removed sooner? I'm not sure how they were able to post it given that fact that they cannot provide any information that the debt is mine. I haven't received any letters and they haven't confirmed that I owe the debt. I can't believe that Equifax and Transunion allow this without proof. I read in other posts that for disputes they just call the creditor and ask if the info is correct.

this seems to me to be a stronghold tactic to get you to pay by putting it on your credit file without proof.

Is putting a consumer statement on your file even worth it? Does it make a difference?

What was the month and year roughly you made the last payment on this account? If May/2006 was the last time then this account will not come off your credit file till May/2012 if you decide to ignore it.

I've been receiving collection calls for the last 3yrs from various collection agencies regarding an alledged debt I have with Rogers. With the previous two agencies I've sent letters to then and to one of their lawyers looking for proof to substantiate the debt. Now I've noticed IQOR has my debt and an entry has been replaced by the previous companies with this one.

My question is

How do I get this removed from my credit file? I've sent a leter to equifax to investigate and they have sent a letter back that they cannot do anything at this time but I could put a comment on my report.

This is getting annoying and I don't like the blemish on my file. If I send them a letter as well I imagine it will only move on to the next agency and so on. The alleged debt is from May 2006.

The limitation period in Ontario is 2yrs.

Not sure what my next step should be?

Thx
Annoyed