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Your Legal Rights is a collection of legal information resources produced by hundreds of organizations across Ontario.

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Legal Topic: Credit records and repair

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Steps to Justice – Debt and Consumer Rights

This section of CLEO’s Steps to Justice website features legal information questions, answers and next steps on buying goods and services, bankruptcy, buying a used car, collection agencies, credit reports and repair, debt and money problems, door‑to‑door sales, identity theft, motor vehicle repairs and payday loans Other credits Led by CLEO, Steps to Justice is a […]

Available in:

English, Français

Format:

Web

Produced/Updated In:

2019

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Collection Agencies Tip Sheet

This tip sheet from the Community Advocacy and Legal Centre gives answers to these questions:

Available in:

English

Format:

Booklet/PDF

Produced/Updated In:

2018

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Credit repair

This publication explains the legal rules for businesses that promise to “fix” or repair credit reports. It also explains why these services may often not be worth paying for, and suggests other ways for people to deal with credit and debt problems.

Format:

Booklet/PDF, Web

Produced/Updated In:

2018

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Consumer Protection Ontario

Consumer Protection Ontario has information about the rights of consumers. Topics covered include:

Available in:

English, Français

Format:

Web

Produced/Updated In:

2017

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Multilingual Debt and Consumer Law Videos

This video has information for immigrant and newcomer communities on topics related to debts and consumer protection. Topics include: Bogus Schools and Diplomas, Travel Loans for Convention Refugees, Sponsorship Debt, Credit Card Debt, and Unethical Immigration Consultants.

Available in:

English

Produced by:

MOSAIC

Format:

Video

Produced/Updated In:

2017

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Your credit report

This publication explains what a credit report (or “consumer report”) is, and the legal rules for what information can and cannot be included in a credit report, who can access it, and how it can be used. It outlines how to get corrections made to a credit report, and what to do if you have problems with a credit bureau (“consumer reporting agency”).

Format:

Booklet/PDF, Web

Produced/Updated In:

2017

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Banking

This resource is from the Government of Canada. It includes information about bank accounts, debit cards, online banking, deposit insurance, branch closures, and more.

Available in:

English, Français

Format:

Web

Produced/Updated In:

2016

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Canadian Consumer Handbook

The Consumer Handbook is intended to help you become a better-informed and more confident consumer. It offers information on a wide range of topics such as online shopping, contracts, housing and home renovations, identity theft, collection agencies, and much more, to help you build your buying skills. 

Available in:

English, Français

Format:

Web

Produced/Updated In:

2016

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Consumer Protection: Debt Settlement Service Agreements

Recorded on February 29, 2016 – Your charge cards are maxed out, the collection agencies keep calling, and your income is being garnished — you need help before you sink beneath a growing pile of bills. Both credit counselling agencies and debt settlement services companies promise to help you to manage your debt repayment and get you back on your feet financially.

Available in:

English

Format:

Webinar

Produced/Updated In:

2016

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Credit Score Tip Sheet

This tip sheet from the Community Advocacy and Legal Centre gives answers to these questions:

Available in:

English

Format:

Booklet/PDF

Produced/Updated In:

2016