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 your report in the past six months. Job applicants can have a corrected copy of their report 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 future reports. In addition to writing to the CRA, tell the creditor or other information provider in writing that you dispute an item.
Many providers specify an address for disputes.
If the provider then reports the item to any CRA, it must include a notice of your dispute. Bankruptcy information may be reported for 10 years. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Your credit file may not reflect all your credit accounts. Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that do not.