In Saskatchewan, the legislation governing credit reporting is called THE CREDIT REPORTING ACT, Chapter C-43.2 of the Statutes of Saskatchewan, 2004 effective March 1, 2005. Pursuant to Section 18, it says

18 No credit reporting agency shall include any of the following in a

credit report

(f) information regarding any debt six years after the last payment

was made or if no payment was made six years after the debt
was incurred.

Equifax's POLICY statement is as follows:

CREDIT HISTORY AND BANKING INFORMATION A credit transaction will automatically purge from the system six ( 6 ) years from the date of last activity. All banking information ( checking or savings accounts ) will automatically purge from the system six ( 6 ) years from the date of registration.

PLEASE NOTE These Rules and Policy only apply to accounts
( Tradelines ) that are dorment and are not currently

active. All active accounts will continue to be reported,
regardless of how old they are until they become

inactive at which time the six ( 6 ) year rule will apply.

actually joe no equifax will not automaticaly purge them. They are the ones I am refering to.

Footloose I am refering to Equifax and I reside in Saskatchewan.
I am not sure if they have been removed from TransUnion because I have not recieved a response from them yet.

Equifax will purge all items that over six years whether they are paid or not from the last date of activity.Trans Union will purge all items that over six years if their bad but will keep the good ones on for twenty years even if the accounts are closed.

There are two credit bureaus in Canada. Which credit bureau are you referring to, Equifax or TransUnion? Also, in which province or territory do you reside? Once I have the answers to these questions, I can provide you with full details.

I am wondering if someone can tell me the exact statute that outlines the law in regards to a credit agency purging your credit history of anything over 6 years old. I send for my husbands credit file however asked them to purge everything over 6 years old and they basically sent me back a letter stating they did not have to.