There is some information that a reporting agency can keep on file, but cannot provide in a credit report. This includes: unfavourable personal information, unless the reporting agency has corroborating evidence of the unfavourable personal information, and the corroborating evidence is noted with and accompanies the unfavourable personal information; unfavourable information about a debt if more than six years has elapsed since the date of the last payment on that debt or the date the debt was incurred, whichever is later; information about a judgment more than six years after the judgment was given, unless the creditor or the creditor’s agent confirms that the judgment remains unpaid in whole or in part, and the confirmation appears in the file; information about the bankruptcy of an individual more than six years after the date the individual was last discharged from bankruptcy, unless the individual has been bankrupt more than once; information about charges against the individual under any federal, provincial or territorial law unless the charges resulted in conviction; information about a conviction of the individual for offences against a law of any jurisdiction more than six years after the date of conviction or, where the conviction resulted in imprisonment, after the date of release or parole, and in no case may information about a conviction be reported if the individual has been granted a pardon; information given orally, unless the content of the oral report is noted in writing in the file; any other information adverse to the individual’s interest that is more than six years old, unless the information is voluntarily supplied by the individual to the reporting agency; information about the race, creed, colour, ancestry, ethnic origin, religion or political affiliation of an individual; information about the payment or non-payment of a lawfully imposed fine more than six years after the fine was imposed; information about a court action or court proceeding more than 12 months after the commencement of the court action or court proceeding unless the current status of the action or proceeding has been ascertained and is included in the report.  Last reviewed: October 2014