If an item is changed or removed, the CRA cannot put the disputed information back in your file unless the information provider verifies its accuracy and completeness, and the CRA gives you a written notice that includes the name, address, and phone number of the provider. Also, if you request, the CRA must send notices of corrections to anyone who received one in the past six months. Job applicants can have a corrected copy of theirs sent to anyone who received a copy during the past two years for employment purposes. If a reinvestigation does not resolve your dispute, ask the CRA to include your statement of the dispute in your file and in the future. Second, in addition to writing to the CRA, tell the grantor or other information provider in writing that you dispute an item.
Many providers specify an address for disputes.
If the provider then includes the item to any CRA, it must include a notice of your dispute. When negative information in your file is accurate, only the passage of time can assure its removal. Accurate negative information can generally stay on your report for 7 years. Bankruptcy information may be included for 10 years. Information about a lawsuit or an unpaid judgment against you can beincluded for seven years or until the statute of limitations runs out, whichever is longer.