Get My Credit Report Canada
2010
Late Payments associated with credit card not removed?
My friend (in Canada) was told that her 8 year old Visa late payments showing up on her Equifax report will not be removed since the six year (compared to seven years in US) limit applies only to credit accounts and not to the associated late payments. This was confirmed by the bank which refused to remove the late payments. So she cancelled that Visa card and got a new one from the same bank. Now that old Visa account will drop off from credit report after six years and the late payments associated with it.
Not sure if that was the best idea. If the system there is anything like ours in the U.S. then a late payment that is 6 years old has very little effect on credit score. However, closing an account that is 6 years old can siginificantly decrease the average length of open accounts, thereby decreasing your score.
Credit Bureau Of Canada Collections bought my Alleged Telus Debt
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