YOUR 30 DAY DISPUTE TIMELINE
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Day 1
Upload report
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Day 1
AI writes letters
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Day 2
Mailed registered
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Day 5
Bureau receives
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Day 7-30
Investigation
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Day 30
Result
01
Step One
PULL YOUR FREE CANADIAN CREDIT REPORTS
Every Canadian is entitled to a free credit report from both Equifax Canada and TransUnion Canada. CreditKO identifies every negative item worth fighting.
→Pull your free Equifax Canada report at equifax.ca — no credit card required
→Pull your free TransUnion Canada report at transunion.ca
→CreditKO AI scans both reports and ranks every disputable item by score impact
→Highest-priority disputes identified first — maximum score gain
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Your Legal Right Under PIPEDA
Under PIPEDA, you are entitled to access all personal information held about you by Equifax Canada and TransUnion Canada — free, once per year or more frequently on request.
02
Step Two
AI GENERATES YOUR PIPEDA DISPUTE LETTERS
CreditKO writes personalized, PIPEDA-compliant letters specific to each item — referencing the exact Canadian law that obligates bureaus to investigate.
→Each letter cites PIPEDA — not US FCRA law which has no jurisdiction in Canada
→Personalized to your creditor name, account details, and specific dispute grounds
→30-day response deadline explicitly stated in every letter
→FCAC escalation notice included — bureaus know the consequence of ignoring you
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Why PIPEDA Letters Work Where Others Fail
Most Canadians copy American templates citing the FCRA. That law does not apply in Canada. CreditKO letters cite PIPEDA — the actual Canadian law. Bureaus must respond within 30 days.
03
Step Three
SEND VIA CANADA POST REGISTERED MAIL
Registered Mail creates legal proof of delivery and starts the 30-day clock. CreditKO handles printing and mailing automatically — no post office required.
→Click 'Mail via Canada Post' — printed, stuffed, and mailed automatically
→Tracked delivery provides proof of receipt — your legal protection
→30-day investigation clock starts on confirmed delivery date
→CreditKO logs your tracking number and sets automatic deadline reminders
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Why Registered Mail Is Non-Negotiable
Without proof of delivery, a bureau can claim they never received your dispute. Canada Post Registered Mail creates an unbreakable legal record that makes FCAC escalation much stronger.
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Step Four
TRACK RESULTS OR ESCALATE TO FCAC
CreditKO tracks every dispute across both bureaus in real time. When bureaus ignore the 30-day deadline — FCAC complaint filed in one click.
→Live dashboard: every dispute status from Sent through to Result
→30-day countdown timer on every open dispute — never miss a deadline
→Bureau ignores you: FCAC complaint generator pre-fills your case automatically
→Score tracker shows Equifax Beacon + TransUnion CreditVision updating live
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The FCAC — Your Enforcement Body
The Financial Consumer Agency of Canada (fcac-acfc.gc.ca) enforces PIPEDA compliance. An FCAC complaint creates a formal regulatory record that often turns a bureau refusal into a removal.
FREQUENTLY ASKED QUESTIONS
Does this work if I actually owe the debt?
Yes — for items past the 6-year reporting limit, inaccurate information, or errors in how the debt is reported, you can dispute regardless of whether the debt exists.
What is the 6-year reporting limit?
In most Canadian provinces, negative items must be removed 6 years from the date of last activity — even if unpaid. CreditKO automatically identifies these.
Why not use the bureau's online dispute form?
Online disputes are less effective and create no legal paper trail. Written PIPEDA-based disputes sent via Registered Mail are legally stronger and harder to dismiss.
What if the bureau says the information is accurate?
They must provide written confirmation. If inadequate, you escalate to the FCAC. CreditKO walks you through every step.
How long does it take to see results?
Most disputes resolve in 30-45 days. Score updates appear within 1-2 billing cycles after a removal.
Is this legal?
Completely. Every strategy is based on your rights under PIPEDA, enforced by the FCAC. You are using the system correctly.
READY TO START FIGHTING?
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