Consumer Reporting and Credit Reporting

Recorded on January 20, 2010 - This webinar, presented by Margaret Capes, Legal Education Coordinator of Community Law School (Sarnia-Lambton) Inc., looks at one of the largest sources of complaints to the Ministry of Consumer Services: consumer (credit) reporting agencies. Anyone who has ever applied for a loan, mortgage, or credit card has had their credit report reviewed by the potential credit issuer. Anyone who has been denied credit based upon an inaccurate report or a poor credit record knows the power that consumer reporting agencies wield over consumers. Consumers with poor credit records may be tempted by advertisements from credit repair agencies that promise to restore a consumer's credit record to good health.

In this webinar we will learn about reporting agencies, credit files, credit reports, and how to correct inaccuracies in credit files. We will also look at credit repair agencies and at what they can and cannot do to "fix" a consumer's credit record. Finally, we will learn about the protections afforded to consumers under the Ontario Consumer Reporting Act and Ontario's Consumer Protection Act, 2002.

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