Canada Law

Ask a Canada Law Question, Get an Answer ASAP!

Ask an Expert,
Get an Answer ASAP!

I have a question regarding Equifax, not closing my old

Customer Question
My name is Najeia...

My name is Najeia ***, I have a question regarding Equifax , not closing my old collection account from my Credit Report even when the creditor sent them Release Letter in 2011

Lawyer's Assistant: Thanks. Can you give me any more details about your issue?

There was a collection on my account in January 2011and i paid it off 1005 there was a collection on my account in January 2011 and i paid it off 100% till May 2011 - The creditor sent the paid in full Release Letter and currently the balance shows that i owe 0.00. But i recently got declined from two major banks when i applied for Auto Loan, only because of this i asked Equifax to close this and also a Collection Agent, sent a Release Letter to Equifax, i filed a dispute but they said it cannot till 2018

Submitted: 2 years ago.Category: Canada Law
Show More
Show Less
Ask Your Own Canada Law Question
Answered in 1 hour by:
1/27/2016
Lawyer: Debra, Lawyer replied 2 years ago
Debra
Debra, Lawyer
Category: Canada Law
Satisfied Customers: 104,572
Experience: Lawyer
Verified

Thank you for requesting me.

Are you asking why the report is still on your record even after you paid off the debt?

Ask Your Own Canada Law Question
Customer reply replied 2 years ago
Correct.
I recently got denied because i had this collection shown on my Equifax Report. Even though i have paid it full in 2011 , and it was only 312 dollars .I requested the Collection Agent to send "Release Letter" to Equifax early Mid January 2016, so that Equifax will close the account finally, which the Collection Agent did.Equifax replied back that they cannot close it because it will stay on my Report till 6 years .
My question is, is there anyway we can ask them to close it , because the Banks just deny the loans that I have had collection in past
Customer reply replied 2 years ago
I have attached the screenshots from my Equifax report and Release Letter from Collection Agent, for better understanding. Please find attached below
Lawyer: Debra, Lawyer replied 2 years ago

I think you have misunderstood how the credit reporting bureaus work. A report does not come off your credit recorf simply because you paid the debt. The way this works is that once there is a report so long it is valid it stays on your record for several years. In fact generally it stays on for six years unless it's a bankruptcy which will stay on for seven.

So it's not that you can simply pay to debt and have your record repaired. Unfortunate that is not at all how this works.

Does that answer your question? I know this is not what you wanted to hear but does itbat least clarify why this is happening to you?

Ask Your Own Canada Law Question
Customer reply replied 2 years ago
i understood,
But there is no way, we can have it removed from Equifax ? because Transunion doesnt show it anymore on the Credit Report
Lawyer: Debra, Lawyer replied 2 years ago

There is no way to have it removed from Equifax if it was a debt that was validly reported. I'm so sorry about that.

Ask Your Own Canada Law Question
Customer reply replied 2 years ago
No problem , thank you so much for your time .Regards
Najeia
Lawyer: Debra, Lawyer replied 2 years ago

You are very welcome.

Ask Your Own Canada Law Question
Was this answer helpful?
Ask Debra Your Own Question
Debra
Debra
Debra, Lawyer
Category: Canada Law
Satisfied Customers: 104,572
104,572 Satisfied Customers
Experience: Lawyer

Debra is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Your Expert confirmed everything that I had been told, and didn't want to believe. Thank you for putting my mind at rest.

MonikaCanada

This has been very helpful. I'm glad to see that lawyers and sites like this exist. Thanks for your help.

MikeHalifax, NS

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

< Previous | Next >

Meet the Experts:

Tom B.

Tom B.

Barrister & Solicitor

2,263 satisfied customers

25 years in practice

LawyerProfessor

LawyerProfessor

Lawyer

836 satisfied customers

Experienced Litigation Lawyer in Ontario since 1999 and NY since 1997

Debra

Debra

Lawyer

104,572 satisfied customers

Lawyer

Jeremie John Martin

Jeremie John Martin

Lawyer

839 satisfied customers

I'm a bilingual attorney for the province of Quebec who goes to Court often for many clients.

Sokkalaw

Sokkalaw

Lawyer

312 satisfied customers

Lawyer in Ontario, Canada

CaptanLaw

CaptanLaw

Lawyer

224 satisfied customers

I'm a criminal defence lawyer, who assists individuals charged with crimes.

Mark A

Mark A

Lawyer

179 satisfied customers

Canadian Lawyer working at a Canada Law Firm

< Previous | Next >

Related Canada Law Questions
I have a question about Strat bullying charging a person
I have a question about Strat bullying charging a person with a service dog on their grass. Can they charge money if a dog is relieved on the grass called their common area. … read more
Debra
Debra
Lawyer
104,572 satisfied customers
I dont know where to start. the current. My daughters father
i dont know where to start. the current. My daughters father served me with access papers, claiming i prevented him having a relationship with his daughter, (he has a great one). … read more
Debra
Debra
Lawyer
104,572 satisfied customers
How can we write a petitions to get rid of the Board of
How can we write a petitions to get rid of the Board of Directors in our housing cooperative … read more
Debra
Debra
Lawyer
104,572 satisfied customers
Can majority of executors ask for a different lawyer to
Can majority of executors ask for a different lawyer to execute will as to the one who wrote it? … read more
Debra
Debra
Lawyer
104,572 satisfied customers
My question is, if I've been a Canadian Permanent Resident
My question is, if I've been a Canadian Permanent Resident since January 2017, I must maintain so many days in Canada to get citizenship.As a long-haul truck driver, I constantly cross into the United… read more
Debra
Debra
Lawyer
104,572 satisfied customers
My partner signed an agreement for Service without my
My partner signed an agreement for Service without my knowledge. he owns 25% of the … read more
Debra
Debra
Lawyer
104,572 satisfied customers
Want to know about Provincial nominee programme? I have
I have experience of 8 years in Administrative assistant of Chairman, heard that asascatchwan has this job offer … read more
Debra
Debra
Lawyer
104,572 satisfied customers
Quebec. I am a Canadian citizen and resident. I am planning
I am a Canadian citizen and resident. I am planning to leave Canada soon and travel most of the time. I will become a tax non-resident of Canada I previously had a job with the federal government; what happens to my pension and benefits when I leave Canada? I work as a freelancer now … read more
Debra
Debra
Lawyer
104,572 satisfied customers
What is the tax for cashing out the RRSP? If I depart Canada
Hi Debra, what is the tax for cashing out the RRSP? If I depart Canada can I access my RRSP at a retirement age? If I am abroad can I still continue contributing to it?… read more
Debra
Debra
Lawyer
104,572 satisfied customers
My son is in the First ear Degree at York University in
My son is in the First ear Degree at York University in Toronto. Due to the strike my sons course was affected. This was started in Mar First week. I am thinking of filing a law suite against the Univ… read more
Debra
Debra
Lawyer
104,572 satisfied customers
Thanks I have a question for a lawyer dealing specifically
Thanks I have a question for a lawyer dealing specifically with family law on separation agreement versus consent judgment … read more
Debra
Debra
Lawyer
104,572 satisfied customers
I have a few questions about being sued/charged for
Hello, I have a few questions about being sued/charged for defamation or character … read more
Ulysses101
Ulysses101
Litigator, Barrister and Solicitor
LLB
3,169 satisfied customers
Looking for information on third party or country rule with
dear pearl, looking for information on third party or country rule with canada. loop hole, was mentioned this past week.gb … read more
Debra
Debra
Lawyer
104,572 satisfied customers
I'm looking for a legal advice related to a lease agreement
Hi, I'm looking for a legal advice related to a lease agreement between my landlord & myself … read more
Debra
Debra
Lawyer
104,572 satisfied customers
What will happen if my husband dies & he has left his part
what will happen if my husband dies & he has left his part of the matrimonial home to his kids does this mean they get half o f the value … read more
Debra
Debra
Lawyer
104,572 satisfied customers
I have roof change 2012, there is writing warranty in my
I have roof change 2012 , there is writing warranty in my payment. … read more
Debra
Debra
Lawyer
104,572 satisfied customers
Need lawyer in a major asset sale in ontario. Not yet.
need lawyer in a major asset sale in ontario JA: Have you talked to an Ontario lawyer about this? Customer: Not yet JA: What steps have you taken so far? Customer: Nothing yet JA: Anything else you wa… read more
Debra
Debra
Lawyer
104,572 satisfied customers
I'm a U.S. permanent resident, and I arrived yesterday with
I'm a U.S. permanent resident, and I arrived yesterday with my dad at Toronto airport They accepted me to enter Canada but the detained my dad at the holding center accusing him of being a senior offi… read more
Debra
Debra
Lawyer
104,572 satisfied customers
Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Disclaimer: Information in questions, answers, and other posts on this site ("Posts") comes from individual users, not JustAnswer; JustAnswer is not responsible for Posts. Posts are for general information, are not intended to substitute for informed professional advice (medical, legal, veterinary, financial, etc.), or to establish a professional-client relationship. The site and services are provided "as is" with no warranty or representations by JustAnswer regarding the qualifications of Experts. To see what credentials have been verified by a third-party service, please click on the "Verified" symbol in some Experts' profiles. JustAnswer is not intended or designed for EMERGENCY questions which should be directed immediately by telephone or in-person to qualified professionals.

Show MoreShow Less

Ask Your Question

x