What CreditKO Disputes
EVERY NEGATIVE ITEM
ON THE LIST
CreditKO fights every type of error dragging your Canadian credit score down, on both bureaus, using PIPEDA-compliant dispute letters.
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LATE PAYMENTS
30, 60, 90+ Day Notations
Late payment notations are one of the most common and most disputable items on Canadian credit files.
→30-day late reported when payment was made on time
→Late payment from over 6 years ago still showing on file
→Duplicate late payment entries for the same account
→Late payment reported after account was settled in full
📈 +40 to +80 pts typically after removal
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COLLECTION ACCOUNTS
Old Debts Sent to Collections
Collections are the most damaging items on a Canadian credit file and the most commonly disputed.
→Collection past the 6-year reporting limit — even if unpaid
→Collection for a debt that is not yours
→Collection showing wrong balance, wrong date, or wrong creditor
→Duplicate collection entries from original creditor and agency
📈 +50 to +120 pts typically after removal
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INCORRECT BALANCES
Wrong Amounts Hurting Utilization
Your utilization ratio accounts for ~30% of your score. Wrong balances or limits can crush it artificially.
→Credit limit reported lower than actual — inflating utilization %
→Balance reported higher than actual amount owing
→Paid account still showing a balance
→Closed account still showing as open with a balance
📈 +20 to +60 pts after correction
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ACCOUNTS NOT MINE
Identity Mix-Ups and Fraud
Accounts that do not belong to you appear due to name mix-ups, SIN errors, address similarities, or identity theft.
→Common name mix-ups — frequent in Canada
→Fraudulent accounts opened without your consent
→Ex-spouse or family accounts incorrectly merged
→Authorized user accounts you never agreed to
📈 +30 to +100 pts depending on account type
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HARD INQUIRIES
Unauthorized Credit Pulls
Every unauthorized hard inquiry shaves points off your score and stays for up to 3 years.
→Car dealership ran your credit without written consent
→Multiple inquiries not consolidated from rate shopping
→Inquiries from lenders you never applied to
→Old inquiries past the reporting window
📈 +5 to +25 pts per unauthorized inquiry removed
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CHARGE-OFFS
Inaccurately Reported Accounts
Charge-offs must be reported accurately. Wrong dates, amounts, or charge-offs you do not recognize are all disputable.
→Charge-off with wrong date — extending the 6-year window
→Settled charge-off still showing as outstanding
→Charge-off past 6-year limit still active on file
→Wrong balance or creditor information on charge-off
📈 +30 to +70 pts after correction
THE 6 YEAR RULE — CANADA'S MOST POWERFUL CREDIT LAW
In most Canadian provinces, negative items have a maximum reporting period of 6 years from the date of last activity — even if the debt was never paid.
How to Calculate
Find the "date of last activity" on your report. Add 6 years. If that date has passed — the item must be removed.
Applies To
Collections, late payments, charge-offs, and most negative trade lines — even if the debt is unpaid.
What CreditKO Does
Automatically identifies every item past its reporting limit — your fastest and easiest disputes.