How often should I check my Credit Report?


It is a very good idea to check your credit report every year. In Canada, there is only two credit reporting agencies, Equifax and TransUnion. Sometimes, it is not unusual for there to be mistakes and omissions on your credit report. If you don’t do anything about these errors, it may cost you in increased interest rates or hinder your ability to qualify for a loan.  We recommend that you should be proactive by checking your credit report at least once a year to ensure that it is correct. If you find mistakes on your report, we recommend downloading a dispute resolution form from Equifax or TransUnion. The next step is to complete the form and forward it to the credit bureau along with any related documentation to prove your case.



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Sam, Brantford July 28, 2017

When I called JP Graci and Associates, I was completely devastated. I was living in financial chaos and I was barely able to make the ends meet. Desperate, I started to borrowing money from Payday loa...

George M November 6, 2017

Thanks again Sabrina, I can't say enough how much I appreciate everything you, Paul and company have done for me. It's overwhelming sometimes to think that someone still has their dignity even once th...

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Thank you so much for everything you and your staff have done to help me through this difficult time in my life. Thank you to Patricia for her smile and pleasant greeting when I came in the front and ...

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Thank you, Paul for helping get my life back on track.

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