British Columbia Credit and Debt Guide: Laws, Rights & Resources (2026)
- British Columbia’s Business Practices and Consumer Protection Act (BPCPA) is one of Canada’s strongest consumer protection laws — know your rights under it.
- BC has a 2-year limitation period on most debts — after this window, collectors lose the legal ability to sue you.
- Debt collectors in BC must follow strict rules under BPCPA Part 7, including limits on contact times and prohibited harassment tactics.
- Payday lenders in BC are capped at $15 per $100 borrowed — among the tightest caps in Canada.
- BC bankruptcy exemptions include your principal residence equity (up to $12,000 in Metro Vancouver), tools of trade, and a vehicle.
- Free help is available through Consumer Protection BC, Legal Aid BC, and Credit Counselling Society.
If you live in British Columbia and you’re dealing with debt, a damaged credit score, or aggressive collection calls, you have more protection than you might realize. British Columbia has built one of the most comprehensive consumer protection frameworks in Canada — but like most legal rights, they only work if you know about them.
This guide is designed specifically for BC residents who are navigating financial hardship. Whether you’ve fallen behind on credit card payments, are facing garnishment, or are exploring options like debt consolidation or bankruptcy, understanding how provincial law applies to your situation is the first step toward taking back control.
We’ll cover everything from how BC’s limitation period affects old debts, to what collection agencies are legally allowed to do (and what crosses the line), to the bankruptcy exemptions that protect your most essential assets. We’ve also included a full directory of free and low-cost resources available to British Columbians right now.
BC Consumer Protection Law
British Columbia’s Business Practices and Consumer Protection Act (BPCPA) is the central piece of legislation governing consumer transactions, debt collection, and credit reporting in the province. It sets the rules for businesses that deal with consumers — including banks, lenders, and collection agencies — and gives BC residents meaningful tools to fight back when those rules are broken.
Understanding BC’s 2-Year Limitation Period on Debts
One of the most important — and most misunderstood — aspects of debt law in British Columbia is the limitation period. Under BC’s Limitation Act, most debts have a basic limitation period of two years. This means a creditor or collection agency generally has two years from the date they discovered (or ought to have discovered) that you owe the debt to sue you in court.
Once the two-year window has passed, the debt becomes statute-barred. The creditor can no longer obtain a court judgment against you to enforce the debt. They can still contact you and ask you to pay — and the debt may still appear on your credit report — but they have lost the most powerful legal tool available to them: the lawsuit.
What Resets the Clock?
This is where many BC consumers inadvertently hurt themselves. The limitation clock can be reset in certain circumstances:
| Action | Does It Reset the Clock? | Notes |
|---|---|---|
| Making a payment on the debt | Yes | Even a small $5 payment can restart the 2-year window |
| Making a written acknowledgment of the debt | Yes | An email or letter admitting you owe the debt restarts the clock |
| Verbal acknowledgment over the phone | Potentially | Disputed — be cautious when speaking with collectors |
| Ignoring the debt | No | Silence does not reset the clock |
| Debt being sold to a new collector | No | The original default date is what counts |
This is why it’s critical to think carefully before making any payment or written statement regarding an old debt. If you’re unsure whether a debt is statute-barred, speak with a credit counsellor or legal aid lawyer before responding to a collection agency.
Old Debt Warning
If a collection agency calls you about a debt that is close to or past the 2-year limitation period, do not make a payment or acknowledge the debt in writing until you’ve verified the date of your last payment and consulted a professional. A single payment — even $1 — can restart the clock and expose you to a lawsuit.
The 15-Year Ultimate Limitation Period
BC also has an “ultimate” limitation period of 15 years from the date the act or omission occurred. This means that even if the 2-year clock has been reset multiple times, after 15 years from the original event, no court action can be brought at all. This is a backstop protection for consumers that exists in very few other provinces.
BC Debt Collection Laws: Your Rights Under BPCPA Part 7
Part 7 of the BPCPA, combined with the Debt Collection Industry Regulation, sets out detailed rules about how collection agencies must behave when pursuing BC consumers. These rules are enforced by Consumer Protection BC, a non-profit delegated authority that licences and regulates collectors in the province.
Who Must Be Licensed?
Any business that collects debts on behalf of others in BC — or that buys debts and then collects them — must hold a valid collection agency licence issued by Consumer Protection BC. The individual collectors working for these agencies must also hold personal collector licences.
This means that before complying with or even engaging with a collection agency, you can and should verify their licence status at the Consumer Protection BC website. If a collector is unlicensed, they have no legal right to collect debts in BC and you should report them immediately.
Many BC consumers don’t realize they can demand proof of licensing from a collection agency. Always ask for the agency’s Consumer Protection BC licence number and verify it online before discussing any debt. Unlicensed collectors have no legal standing in this province — and we see unlicensed operations targeting vulnerable consumers more than you’d think.
What Collectors Are Prohibited From Doing
Under BPCPA Part 7, collection agencies and their employees are strictly prohibited from engaging in the following behaviours:
| Prohibited Conduct | Details |
|---|---|
| Harassment or coercion | Using threatening language, intimidation, or pressure tactics |
| False or misleading statements | Claiming to be a lawyer, court officer, or government representative |
| Contacting at unreasonable hours | Calls not permitted before 7 AM or after 9 PM on weekdays; 1 PM to 5 PM Sundays only |
| Excessive contact | Calling repeatedly so as to constitute harassment |
| Contacting your employer | Except to verify employment or after a court judgment |
| Contacting family members | Except to obtain location information for you (and only once) |
| Publishing debtor names | Shame lists or public notices about your debt are prohibited |
| Adding unauthorized charges | Interest, collection fees, or charges not in the original agreement |
How to Stop Collection Calls Legally
BC consumers have the right to request in writing that a collection agency cease communication with them. Once you send a written cease-and-desist letter (via email or registered mail), the collector must stop contacting you — with two narrow exceptions: they may contact you once to confirm they’ve received the letter, and they may contact you to notify you of legal action.
Sending a cease-and-desist letter does not make the debt go away. It does not stop a collector from suing you. But it stops the harassment while you figure out your next steps.
Cease and Desist Template
Your cease-and-desist letter should include: your full name and address, the collector’s name and address, a clear statement that you are invoking your right under the BPCPA to require them to cease communications, and the date. Keep a copy and send it by registered mail or email with read receipt so you have proof of delivery. Consumer Protection BC can provide guidance if the agency continues to contact you after receiving your letter.
Debt Validation Rights
Before a collector can begin collection activity, they must send you a written notice containing:
- The name of the original creditor
- The amount of the debt claimed
- The name of the collection agency
- A statement of your right to dispute the debt
You have the right to dispute the debt in writing within 30 days of receiving this notice. If you dispute it, the collector must verify the debt before continuing collection efforts. This is an important protection: if the collector cannot verify the debt, they must stop.
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GET STARTED NOWBC Payday Lending Laws: The $15 Cap
British Columbia regulates payday lending under the BPCPA, with additional rules in the Payday Loans Regulation. The key consumer protections for BC payday borrowers are:
Key Payday Lending Rules in BC
| Rule | BC Requirement |
|---|---|
| Maximum borrowing cost | $15 per $100 borrowed (equivalent to 391% APR on a 14-day loan) |
| Maximum loan amount | 50% of your net pay for the period |
| Loan term | Maximum 62 days |
| Cooling-off period | 2 business days to cancel without penalty |
| Rollover loans | Prohibited — cannot extend or roll over a payday loan |
| Simultaneous loans | One payday loan at a time per borrower |
| NSF fees | Maximum $20 for a dishonoured payment |
| Lender licensing | Must be licensed by Consumer Protection BC |
While $15 per $100 may sound manageable, on an annualized basis this works out to approximately 391% APR on a typical 14-day loan. This is why financial experts consistently advise using payday loans only as a last resort, and only when you have a clear plan to repay them in full on payday.
The Payday Loan Trap
BC’s rollover prohibition is designed to prevent the debt trap where borrowers continually roll over short-term loans and accumulate fees. However, some consumers work around this by taking new loans from different lenders. Each new loan resets the fee cycle and can quickly spiral into unmanageable debt. If you find yourself regularly using payday loans to cover basic expenses, this is a sign that you need a longer-term solution — consider reaching out to a credit counsellor immediately.
Payday Loan Alternatives in BC
Before taking a payday loan, BC residents should explore these alternatives:
- Credit union emergency loans: Many BC credit unions (Vancity, Coast Capital) offer small emergency loans at much lower rates
- Employer salary advances: Some employers will advance part of your next paycheque
- Government emergency assistance: BC’s income assistance program has provisions for emergency needs
- Food banks and community supports: If the loan is for groceries, food banks can free up cash for other expenses
- Non-profit credit counselling: Credit Counselling Society can help you set up a budget that may eliminate the need for short-term loans
Wage Garnishment in British Columbia
If a creditor obtains a court judgment against you in BC, one of the tools available to them is wage garnishment — a court order directing your employer to deduct a portion of your wages and pay it to the creditor. This is a serious step, but BC law provides some protections.
How Garnishment Works in BC
Before a creditor can garnish your wages, they must:
-
Obtain a Court Judgment
The creditor must sue you in BC Supreme Court or Small Claims Court and win a judgment establishing that you owe the debt.
-
File for a Garnishing Order
After obtaining judgment, the creditor applies for a garnishing order from the court registry.
-
Serve the Garnishing Order
The order is served on your employer (the “garnishee”), who is then legally required to comply.
-
Employer Deducts Wages
Your employer deducts the specified amount from your paycheque and sends it to the court, which forwards it to the creditor.
-
Payments Continue Until Satisfied
Garnishment continues until the full judgment amount (including interest and court costs) is paid, or you make alternative arrangements.
BC Wage Garnishment Exemptions
Under the Court Jurisdiction and Proceedings Transfer Act and related legislation, BC protects a portion of your wages from garnishment. The specific exempt amount depends on your circumstances, but generally:
| Wage Source | Garnishment Treatment |
|---|---|
| Employment income | Portion protected to ensure basic needs are met — courts consider income and dependants |
| CPP/OAS payments | Generally exempt from garnishment by private creditors |
| Employment Insurance (EI) | Generally exempt from private creditor garnishment |
| Income assistance (welfare) | Fully exempt from private creditor garnishment |
| Child support payments received | Generally exempt |
If you believe the garnishment will leave you unable to meet basic living expenses, you can apply to the court for a reduction in the garnishment amount. A legal aid lawyer can assist with this application.
Stopping Garnishment
The most effective ways to stop wage garnishment in BC are:
- Pay the debt in full: Once satisfied, the garnishment order is discharged
- Negotiate a settlement: Creditors often prefer a lump-sum settlement over years of small garnishment payments
- File a consumer proposal: A federally governed consumer proposal under the Bankruptcy and Insolvency Act provides an automatic stay of proceedings that immediately stops garnishment
- File for bankruptcy: Also provides an immediate stay of proceedings
- Dispute the underlying judgment: If the original judgment was obtained improperly, you may be able to have it set aside
When a client comes to me with an active garnishment order, the first thing I assess is whether a consumer proposal makes sense. A consumer proposal immediately stops the garnishment — often the same day it’s filed — and gives them 5 years to repay a negotiated portion of the debt. For someone losing 30% of their paycheque to garnishment, the relief is immediate and significant.
BC Bankruptcy Exemptions: What You Keep
If you file for bankruptcy in British Columbia, the law does not leave you with nothing. The Court Order Enforcement Act establishes specific exemptions — assets that are protected from being seized by your bankruptcy trustee and distributed to creditors. These exemptions are among the most important things to understand before making an insolvency decision.
BC Bankruptcy Exemptions Table
| Asset Category | Exempt Amount | Notes |
|---|---|---|
| Principal residence equity | $12,000 (Greater Vancouver/Victoria); $9,000 (rest of BC) | Only one property; must be your principal residence |
| Motor vehicle | $5,000 | One vehicle; equity above this amount is not exempt |
| Household furnishings and appliances | $4,000 | Essential household items |
| Tools of the trade | $10,000 | Equipment needed to earn a living |
| Clothing | $4,000 | Personal clothing for debtor and family |
| Medical/dental aids | Unlimited | Necessary health equipment |
| RRSP/RRIF contributions | Fully exempt (contributions 12+ months old) | Recent contributions may be clawed back |
| Life insurance with named beneficiary | Generally exempt | Where beneficiary is spouse, child, or parent |
| Firearms (licensed sporting use) | Up to $2,000 | For licensed hunters and sport shooters |
These exemptions apply in the context of both personal bankruptcy and the enforcement of court judgments. They represent the provincial government’s recognition that even insolvent individuals need a floor of assets to maintain dignity and the ability to rebuild.
RRSP Protection in BC
BC’s RRSP exemption is one of the most significant protections available to bankrupt individuals. Contributions made more than 12 months before the bankruptcy filing are fully protected from creditors. This means that retirement savings built up over years of work are generally safe — a critical protection for Canadians who have otherwise accumulated serious debt. The 12-month lookback period exists to prevent people from stuffing RRSPs with assets immediately before filing.
Consumer Proposals vs. Bankruptcy in BC
For many BC residents, a consumer proposal is a better alternative to bankruptcy. Governed by the federal Bankruptcy and Insolvency Act (not provincial law), a consumer proposal allows you to negotiate a repayment plan with your creditors — typically paying back a fraction of what you owe over up to five years.
| Feature | Consumer Proposal | Bankruptcy |
|---|---|---|
| Keeps assets? | Yes — you keep everything | Non-exempt assets may be surrendered |
| Credit rating impact | R7 for 3 years after completion | R9 for 6-7 years after discharge |
| Income requirements | None — but must be able to afford payments | Surplus income may extend bankruptcy period |
| Maximum debt threshold | $250,000 (excluding mortgage) | No limit |
| Stops garnishment? | Yes — immediate stay of proceedings | Yes — immediate stay of proceedings |
| Creditor consent required? | Yes — majority by dollar value must accept | No |
| Business ownership impact | Minimal | Can be significant |
“The best debt solution is the one that matches your specific situation — not a one-size-fits-all approach. For many British Columbians with steady income but overwhelming debt, a consumer proposal offers the fresh start of bankruptcy with significantly less impact on their long-term financial life.”
BC Credit Reporting Rights
Credit reporting in Canada is governed primarily by federal law (the Consumer Reporting Act does not exist federally — it’s the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial equivalents). In BC, the Business Practices and Consumer Protection Act contains provisions about credit reporting, and BC also has its own Personal Information Protection Act (PIPA).
How Long Negative Information Stays on Your BC Credit Report
| Negative Item | How Long It Stays |
|---|---|
| Late payments (30-90+ days) | 6 years from the date of the delinquency |
| Collections accounts | 6 years from the date of first delinquency |
| Judgments | 6 years from the date of judgment |
| Bankruptcy (first filing) | 6 years from date of discharge |
| Bankruptcy (second filing) | 14 years from date of discharge |
| Consumer proposal | 3 years from date of completion |
| Secured loan default | 6 years from date of default |
Your Right to Dispute Errors
You have the right to dispute any information on your credit report that you believe is inaccurate, incomplete, or outdated. Both Equifax and TransUnion have dispute processes, and under PIPA, organizations holding your personal information must correct inaccuracies when notified. If a credit bureau or creditor refuses to correct a legitimate error, you can file a complaint with the BC Office of the Information and Privacy Commissioner (OIPC).
Free Annual Credit Reports
You are entitled to request a free copy of your credit report once per year from both Equifax Canada and TransUnion Canada by mail. Many Canadians don’t realize they can get their full credit report (not just a score) for free — the paid services often just provide more convenient digital access. Check both bureaus annually, as creditors don’t always report to both.
Secured vs. Unsecured Debt in BC: Key Differences
Understanding the difference between secured and unsecured debt is essential for BC consumers deciding how to prioritize debt repayment or structure an insolvency filing.
| Feature | Secured Debt | Unsecured Debt |
|---|---|---|
| Examples | Mortgage, car loan, HELOC | Credit cards, personal loans, medical bills |
| Collateral | Tied to a specific asset | No collateral |
| Creditor remedy on default | Can repossess/foreclose on the asset | Must sue and obtain judgment before seizing assets |
| Treated in bankruptcy | Surrender asset OR keep paying as agreed | Generally discharged in bankruptcy |
| Negotiability | Less flexible — lender has security | More negotiable — can often settle for less |
BC-Specific Resources for Financial Hardship
Consumer Protection BC
Consumer Protection BC is the province’s delegated consumer protection authority. It licenses and regulates debt collectors, payday lenders, and other consumer-facing businesses. If you have a complaint about a collection agency or payday lender operating in BC, Consumer Protection BC is your first call.
- Website: consumerprotectionbc.ca
- Phone: 1-888-564-9963
- Online complaints: Available through their website
- Key services: Licensing verification, consumer complaints, industry standards
Legal Aid BC
Legal Aid BC provides free legal assistance to eligible low-income BC residents. While their primary focus is criminal and family law, they do provide some services for debt-related matters, particularly when rights violations are involved. Their Family LawLine and Lawyer Referral Service can connect you with appropriate resources.
- Website: lss.bc.ca
- Phone: 604-408-2172 (Vancouver); 1-866-577-2525 (toll-free)
- Lawyer Referral Service: 30-minute consultations for a modest fee
Credit Counselling Society
The Credit Counselling Society (CCS) is a non-profit accredited credit counselling agency serving BC and other Western provinces. They offer free confidential consultations to help you understand your options — whether that’s a budget plan, debt management program, or referral to a Licensed Insolvency Trustee.
- Website: nomoredebts.org
- Phone: 1-888-527-8999
- Services: Free consultations, debt management plans, budgeting tools, educational workshops
- Cost: Counselling is free; debt management plans have a nominal fee covered by creditor contributions
Bankruptcy and Insolvency Canada (Licensed Insolvency Trustees)
For more serious debt situations, a Licensed Insolvency Trustee (LIT) is the only professional legally authorized to administer consumer proposals and bankruptcies in Canada. Initial consultations with LITs are typically free.
- Find an LIT: ised-isde.canada.ca/site/office-superintendent-bankruptcy/en
- OSB helpline: 1-877-376-9902
BC Poverty Law Resource Centre
The Poverty Law Resource Centre provides legal information and advocacy for low-income BC residents, including those dealing with debt, benefits, and employment issues.
- Website: povnet.org
- Provides referrals to legal advocates and community resources
Debts BC
The provincial government’s Debts BC resource (available through the BC government website) provides straightforward guidance on dealing with debt in BC, including information about collectors, credit reports, and insolvency options.
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GET STARTED NOWDealing With Mortgage Arrears in BC
If you’ve fallen behind on your mortgage, BC has specific procedures that govern what happens. Under BC’s Land Title Act and related legislation, lenders must follow a formal foreclosure process before taking your home.
BC Foreclosure Process
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Mortgage Default
You miss one or more mortgage payments. Your lender will typically contact you and allow a short grace period.
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Demand Letter
If arrears are not resolved, the lender issues a formal demand letter requiring full payment (acceleration of the mortgage).
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Petition Filed in BC Supreme Court
The lender files a petition for foreclosure at BC Supreme Court. You will be served with notice.
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Order Nisi
The court grants an Order Nisi, which sets a redemption period (typically 6 months) during which you can pay the full amount owed and stop the foreclosure.
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Order Absolute or Sale
If you don’t redeem within the period, the court may grant an Order Absolute (giving the property to the lender) or order a sale.
During the redemption period, you have options: bring arrears current, refinance with another lender, sell the property yourself, or file a consumer proposal or bankruptcy (which stays the proceedings). Don’t ignore foreclosure proceedings — contact a legal professional and your mortgage lender immediately if you receive court documents.
Credit Rebuilding After Debt Problems in BC
Once you’ve addressed your debt situation — whether through repayment, a consumer proposal, or bankruptcy — the focus shifts to rebuilding. BC consumers have the same tools available as other Canadians, but the provincial limitation period and exemption rules can actually help accelerate recovery.
Credit Rebuilding Steps
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Get Your Credit Reports
Pull reports from both Equifax and TransUnion. Review every item carefully and dispute any errors. Start with a clean, accurate picture.
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Open a Secured Credit Card
A secured card (where you deposit money as collateral) allows you to build a positive payment history even with poor credit. Use it for small purchases and pay in full monthly.
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Become an Authorized User
If a family member or trusted friend has good credit, being added as an authorized user on their account can help build your score — even if you don’t use the card.
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Build an Emergency Fund
Even a small $500-1,000 emergency fund reduces the likelihood of falling back into debt when unexpected expenses arise.
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Monitor Your Progress
Use free services like Borrowell (Equifax score) or Credit Karma (TransUnion score) to track your credit score and get alerts about changes.
-
Apply for Credit Strategically
After 12-18 months of positive history, you may qualify for unsecured credit products. Apply selectively — each hard inquiry temporarily lowers your score.
“Recovery from financial hardship is possible for most Canadians. The key is understanding which tools and timelines apply to your specific province, creating a realistic plan, and accessing the free professional help that’s available.”
Frequently Asked Questions: BC Debt and Credit Law
Can a collection agency call me at work in BC?
Collection agencies in BC may contact you at your workplace, but they may not do so if they know that your employer does not permit personal calls, or if the calls would jeopardize your employment. They also cannot contact your employer about the debt (except to verify your employment). If their calls to your workplace are causing you problems, send a written request to cease work contacts — this is separate from a full cease-and-desist and they must comply.
What happens if I ignore a collection agency in BC?
Ignoring a collection agency does not make the debt go away. The agency can continue to contact you (subject to the rules above), report the debt to credit bureaus, and ultimately assist the creditor in filing a lawsuit against you. However, ignoring calls does NOT reset the 2-year limitation period — only a payment or written acknowledgment does that. If the limitation period has passed, your legal exposure is significantly reduced.
Can a collection agency garnish my wages in BC without a court order?
No. In BC, a creditor cannot garnish your wages without first obtaining a court judgment and then a separate garnishing order. Any collection agency threatening immediate wage garnishment without a court order is either mistaken or lying — report them to Consumer Protection BC.
How do I know if a debt collector is licensed in BC?
You can verify any collection agency’s licence status through the Consumer Protection BC website (consumerprotectionbc.ca). All collection agencies and individual collectors must hold valid licences. Ask for the agency’s name and licence number, then verify it online. If they refuse to provide this information, that itself is a violation of BPCPA.
Does a consumer proposal affect my spouse’s credit in BC?
No. A consumer proposal is a personal legal process and does not directly affect your spouse’s credit report or rating, provided they are not a co-signer on the debts included in the proposal. If you have joint debts, your creditors may still pursue your spouse for the full amount of jointly held debts, even after your proposal is filed.
Can I include tax debt in a consumer proposal in BC?
Yes. Unlike bankruptcy, a consumer proposal can include Canada Revenue Agency (CRA) debt. CRA is a creditor like any other in a consumer proposal, and if the required majority of creditors (by dollar value) accepts the proposal, CRA is bound by it. This makes consumer proposals particularly attractive for Canadians with significant tax debt.
How long does a debt management program take in BC?
A debt management program (DMP) administered through a non-profit credit counsellor typically takes 3-5 years to complete. Unlike a consumer proposal, you repay 100% of the principal owed (though interest is often reduced or eliminated). DMPs are best for consumers with moderate debt loads who want to avoid formal insolvency proceedings.
What is the difference between a credit counsellor and a Licensed Insolvency Trustee in BC?
A credit counsellor helps you with budgeting, creditor negotiations, and debt management programs. A Licensed Insolvency Trustee (LIT) is a federally regulated professional who can administer consumer proposals and bankruptcies. For debts under $250,000 (excluding mortgage), both options may be worth exploring — start with a free credit counselling consultation to understand the full landscape.
Summary: Your BC Consumer Rights Checklist
Navigating debt and credit challenges in British Columbia is significantly easier when you know your rights. Here’s a quick reference checklist for BC consumers:
| Situation | Key BC Right or Protection | Action to Take |
|---|---|---|
| Old debt being collected | 2-year limitation period under Limitation Act | Check the date of last payment before responding |
| Harassing collection calls | BPCPA Part 7 prohibits harassment | Send cease-and-desist letter; report to Consumer Protection BC |
| Payday loan problems | $15/$100 cap; rollover prohibited | Report violations to Consumer Protection BC |
| Facing garnishment | Court order required first | Consult LIT about consumer proposal to stop proceedings |
| Facing bankruptcy | Provincial exemptions protect home equity, vehicle, tools, RRSPs | Get a full exemption analysis from an LIT |
| Credit report errors | Right to dispute under PIPA | File dispute with Equifax/TransUnion; escalate to OIPC |
BC Resources Summary
Key contacts for BC consumers facing financial hardship:
- Consumer Protection BC: 1-888-564-9963 | consumerprotectionbc.ca
- Credit Counselling Society: 1-888-527-8999 | nomoredebts.org
- Legal Aid BC: 1-866-577-2525 | lss.bc.ca
- OSB (find a trustee): 1-877-376-9902 | ised-isde.canada.ca
- Equifax Canada disputes: equifax.ca
- TransUnion Canada disputes: transunion.ca
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- St. John's Newfoundland Credit Guide: East Coast Financial Resources for Building & Rebuilding Credit
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- Moncton and Fredericton Credit Guide: New Brunswick Financial Resources for Building and Rebuilding Credit
- Brandon Manitoba Credit Guide: Westman Region Financial Resources
- Richmond BC Credit Guide: Financial Resources for Metro Vancouver Residents
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