Don't Worry! The Consultation Is Free.
You will only be charged if you found the consultation valuable. You can't lose! Just enter your info below to begin.
Kevin Hodge  
Licensed Paralegal
Get Free Case Evaluation
  • Discover What's Impacting Your Credit Score and How to Fix It
  •   ​Learn How to Remove All Negative Items From Your Credit Report and Dramatically Increase Your Credit Ratings
  •  Actionable Steps That You Can Use ​to Leverage Credit And Become Financially Free
  • ​How You Can Refinance All of Your Loans for Lower Interest Rates
“If you do what you've always done, you'll get what you've always gotten.." - Tony Robbins
1
Your Info
Name, Email, Phone
2
Billing Info
Your Credit Card
Shipping
We Respect Your Privacy & Information
You're 100% Safe & Protected. Your Information Is Secured Using The World's Best Technology. The Same Technology You Would Find At Your Local Bank. 
INFO@MISSISSAUGAPARALEGAL.CA
WARNING: CONSULTATION WILL INSTANTLY GET YOU CLOSER TO CREDIT RESTORATION
Legal Expertise that's Like Having A Friend In this Business
Credit Report Inaccuracies
Our firm disputes inaccurate, erroneous, negative, and unverifiable information that harm credit history and score
Get Help With:
Have a question? Call my office now

Visit and Subscribe To Our YouTube Chanel Make Sure to Subscribe Today!
Credit Report Inaccuracies

MY CREDIT RATING SHOULD BE GREAT BUT IT’S NOT

In these modern times, your credit rating can impact all facets of your life from your ability to buy or rent a home to your ability to obtain employment and that is why accurate and credible reporting of alleged credit arrears or non-payment is of the utmost importance.

It is often assumed that credit reporting companies can do no wrong and that any credit notices are beyond question, this is not always the case and you are not helpless and forced to accept damaging reports when such reports are based on errors or the questionable conduct of a creditor.

The Courts have and will take action both to correct these erroneous reports or compensate you for the damages you sustain resulting from a creditor that makes an erroneous or negligent report.

The obligations of credit reporting companies are set out in the Consumer Reporting Act, R.S.O. 1990, chapter C.33 (“Act”) which states;

9 (1) Every consumer reporting agency shall adopt all procedures reasonable for ensuring accuracy and fairness in the contents of its consumer reports. R.S.O. 1990, c. C.33, s. 9 (1).

13.(1) Where a consumer disputes the accuracy or completeness of any item of information contained in his or her file, the consumer reporting agency within a reasonable time shall use its best endeavors to confirm or complete the information and shall correct, supplement or delete the information in accordance with good practice.

(2) Where a consumer reporting agency corrects, supplements or deletes information under subsection (1), the consumer reporting agency shall furnish notification of the correction, supplement or deletion too,

(a) all persons who have been supplied with a consumer report based on the unamended file within sixty days before the correction, supplement or deletion is made; and

(b) the persons specifically designated by the consumer from among those who have been supplied with a consumer report based on the unamended file,

(i) where the report contains personal information, within the one-year period preceding the correction, supplement or deletion, and

(ii) where the report contains credit information, within the six-month period preceding the correction, supplement or deletion.

The position of the Courts and their recognition of the importance of the reporting of accurate information both by creditors and credit reporting companies are well outlined in the case of Parmar v Royal Bank of Canada, 2016 ABQB 439 (CanLII) which stated:

[58] The Court commented on the important role played by credit reporting agencies in Haskett v. Equifax et al., 2003 CanLII 32896 (ON CA), [2003] 63 O.R. (3d) 577 Ont. C.A., para. 29:

Credit is an integral part of everyday life in today’s society. Not only people seeking loans, mortgages, insurance or car leases, but those who wish, for example, to rent an apartment or even obtain employment may be the subject of a credit report.

As credit is so ubiquitous, there is nothing exceptional about consumer reliance on credit reporters to carry out their function not only honestly, but accurately, with skill and diligence and in accordance with statutory obligations.

[59] As a result, credit reporting agencies can be liable to debtors for negligent reports: Fair Trading Act Credit and Personal Reports Regulation, AR 193/99, s. 2.1, s. 5.

[60] Credit reporting agencies are required to provide their reports based on the most reliable evidence reasonably available. Taking into consideration the over 110,000 reports the agencies receive monthly, relying on the credit granting institutions for information seems the only commercially reasonable way for them to carry on business. Their obligation is to set up reasonable procedures for ensuring information is fair and accurate and for investigating disputes: Spencer v. Equifax Canada Inc., 2011 ONSC 7284 (CanLII)2011 ONSC 7284 (CanLII), 2011 ONSC 7284 (Ont. S.C.J.), para’s 34, 35.

Learn more by contacting us to see how we can help you resolve your legal matter.
EXTENSIVE INDUSTRY KNOWLEDGE & EXPERTISE
SMALL CLAIMS
Strategies that will show you how to challenge creditor's and consumer reporting agencies(The Most Overlooked Step)
LANDLORD-TENANT
Actionable steps so that you can trigger escalation processes, where to go, what to say(It's Easier Than You Think)
CREDIT REPORT INACCURCIES
Never seen before steps to boost your credit score and get out of collection actions(Totally Doable)
Hear What Others Have To Say
Jamie Milton
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Non eaque incidunt, quam voluptatem distinctio, dolor aliquam quasi nihil accusamus officiis, ratione necessitatibus vero officia iure iste similique.
Jamie Milton
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Non eaque incidunt, quam voluptatem distinctio, dolor aliquam quasi nihil accusamus officiis, ratione necessitatibus vero officia iure iste similique.
Jamie Milton
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Non eaque incidunt, quam voluptatem distinctio, dolor aliquam quasi nihil accusamus officiis, ratione necessitatibus vero officia iure iste similique.
Jamie Milton
Lorem ipsum dolor sit amet, consectetur adipisicing elit. Non eaque incidunt, quam voluptatem distinctio, dolor aliquam quasi nihil accusamus officiis, ratione necessitatibus vero officia iure iste similique.
Paralegal Representation
Who Is Kevin?
Hi I'm Kevin Hodge Founder and Principal of Kevin Hodge Professional Corporation. A member of the Law Society of Ontario, since 2011 I have helped individuals and businesses resolve legal issues. My goal is to provide the most helpful, personal and convenient service possible!

I have extensive experience in small claims litigation including breach of contract, unpaid invoices, renovations and property damage, erroneous credit reports, water heater and AC rental complaints, wrongful dismissal, commission disputes, mechanic and car dealership negligence and more.

I also represent landlords and tenants with matters concerning unpaid rent, evictions, maintenance, illegal entry, harassment and more.
About: Kevin Hodge
Hello, I'm Kevin. I help consumers dispute inaccurate, erroneous, negative, and unverifiable information that harm credit history and score. After disputing credit errors for 11 years, I've helped consumers rebuild their credit.

I love providing cutting-edge credit rebuilding strategies so that you can cut through the confusion and get straight to the strategies that will actually help you rebuild your credit + improve financial health.
Have a question? Call my office now

Yes! I Want To Fix Credit Now
Kevin Hodge Professional Corporation © 2022. All Rights Reserved
Contact | Privacy Policy | Terms & Conditions | Support: (647) 270 -0811