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: 106,078
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?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Debra Your Own Question
Debra
Debra
Debra, Lawyer
Category: Canada Law
Satisfied Customers: 106,078
106,078 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

106,078 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

250 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've had a collection agency have a debt I have paid off
I've had a collection agency have a debt I have paid off over a year ago refuse to remove it from my credit even after I have provided proof that the bill has been paid. … read more
Ulysses101
Ulysses101
Litigator, Barrister and Solicitor
LLB
3,186 satisfied customers
This is Ease: EASE ONLY Summary: As requested due to the
This is for Legal Ease: FOR LEGAL EASE ONLY Summary: As requested due to the problem with the posting. 1. I accepted a verbal offer from Telus for a reduced service rate to not switch to Shaw for phon… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
This is Ease: I started a small claims action against a
This is for Legal Ease: I started a small claims action against a collection company which was working for Telus on collecting a disputed amount on a previous bill with Telus ending the agreement (ver… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
i had a vehicle loan that to my belief has been paid for over
i had a vehicle loan that to my belief has been paid for over a year it came to my attention last year they where looking for more money saying i defaulted they stopped taking money from my acct. on s… read more
Law.Hut
Law.Hut
Lawyer
Law degree (Juris Doctor)
6,458 satisfied customers
Not a tax question...I have a negative comment on my Credit
Not a tax question...I have a negative comment on my Credit history which had been closed previously. Both TransUnion and Equifax had this comment on my credit history and after sending proof and deta… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
About 2 years ago my truck was repossessed. At the time, the
About 2 years ago my truck was repossessed. At the time, the baliff advised me that the finance company had to waive the remaining balance owing on my vehicle loan to repossess the vehicle. He also ga… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
In June I cancelled my contract with Koodo mobile and was told
In June I cancelled my contract with Koodo mobile and was told at cancellation that my account was paid with no remaining balance. Surprise surprise it's now November and a collection agency has come … read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
I had a debt owing for $6500...we went to court and had the
I had a debt owing for $6500...we went to court and had the debt reduced to $4000..since then the bill has been forwarded to a collection agency in the amount of $6500+interest and now stands at $8,74… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
Hi, Does anyone know a good credit repair company around
Hi, Does anyone know a good credit repair company around toronto area? Thanks a lot! Tiana… read more
D.A.M.
D.A.M.
Principal Attorney
Doctoral Degree
2,478 satisfied customers
Dear ALI, As requested, we are writing to inform you that
Dear ALI, As requested, we are writing to inform you that there has been a recent change to your Credit Report. Equifax has reported the following change on your credit report. Please check the detail… read more
Sokkalaw
Sokkalaw
Lawyer
Bachelor's Degree
312 satisfied customers
A collection agency has contacted me regarding a 50% balance
A collection agency has contacted me regarding a 50% balance owing on a installation of a new high efficiency furnace. I hired a well recognized, established heating and plumbing company to do a writt… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
Hello, I am having a problem with Wells Fargo/ Future Shop
Hello, I am having a problem with Wells Fargo/ Future Shop where they claimed in '07 i owed them money that i had actually paid and they sent me to collections. i got proof from Equifax and Trans Unio… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
Hi I have complain against one of big Telecommunication
Hi I have complain against one of big Telecommunication company of Canada , In Dec 2010 I had 2 accounts with this company - one for wireless and one for Home package . Till that time for one account … read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
On october 5 2006 i renewed my mortage with Scotia bank and
On october 5 2006 i renewed my mortage with Scotia bank and one of the requirments was that i had to close certain reveoling credit card accounts. The only one i had was a Leon's account that really w… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
Please help. On July 1, 2009, we rented a cargo van to move
Please help. On July 1, 2009, we rented a cargo van to move our elderly mother from one care facility to another, in Halifax, NS. While in our use, the window on the rear door (driver's side) exploded… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
i was laid off from work in january 2009. I sent a letter by
i was laid off from work in january 2009. I sent a letter by email in march 23 2009,to the company thet holds the loan on my car not to take the payment out of my account at the end of the month. On t… read more
Debra
Debra
Lawyer
Doctoral Degree
106,078 satisfied customers
I noticed that the credit bureau is still listing ...
I noticed that the credit bureau is still listing delinquent payments beyond the 6 period upon which the items should appear. This is do to the fact that there has been (good) activity in the account … read more
Flagbridge-CDN
Flagbridge-CDN
Principal Consultant
B.Kin, B.C.L, C. Neg, C. Med, C. A
1,786 satisfied customers
How do i find out if there is a legal judgement against me
how do i find out if there is a legal judgement against me in the courts in bc canada. I was legally divorced in 1998 and my ex husband who i have been seperate from since 1995, his date of birth show… read more
CanLawyer
CanLawyer
Lawyer, mediator
Juris Doctor
276 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