It is important to understand that a Licensed Insolvency Trustee does not directly report anything to the Credit Bureaus and is not required to do so. The Credit Bureaus obtain information on consumer proposal and personal bankruptcy filings directly from the Office of the Superintendent of Bankruptcy and directly from the creditors who have been impacted by your consumer proposal or personal bankruptcy filing. The fact that you filed a consumer proposal or personal bankruptcy will be reflected on your credit report. The two Credit Bureaus in Canada are Equifax and TransUnion. Reporting agencies such as Credit Karma and Borrowell are not actual Credit Bureaus; they get their information from Equifax and TransUnion. It is the responsibility of your creditors to accurately report the debts that you owe to them to the Credit Bureaus and to indicate whether or not the debt has been included in your consumer proposal or personal bankruptcy filing. Unfortunately, it is important to recognize the fact that there are many errors in the Credit Bureaus and such errors are mostly related to incorrect reporting by your creditors.  This is not something the Licensed Insolvency Trustee can correct and the Licensed Insolvency Trustee has no obligation to work to correct information that is factually incorrect on your credit report.  If information is not correct in your credit report, you need to file a dispute or investigation request with the Credit Bureau and they will address the matter with the creditor and come back to you with a response. If the matter is not resolved by the response, that is the time to discuss the situation with your Licensed Insolvency Trustee or Administrator to see what, if anything, can be done. For up-to-date specifics about how long individual items are reported on the Credit Bureaus, you need to go to their websites. In general terms, the following is true: A consumer proposal is reported from the date of filing until 3 years after it has been fully completed. This is the same regardless of whether you have previously been bankrupt or previously filed a consumer proposal. A first-time bankruptcy is reported from the date of filing until 7 years after you have been discharged from bankruptcy. If you have not been discharged, it is reported for 7 years after the date of filing. A second (or more) time bankruptcy is reported for 14 years after the date of discharge from the bankruptcy. Payment defaults, write-offs, etc. are reported for 6 years from the last report date.