A. Yes, If you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report
Within the past year – two years for employment related requests.

Q. Is there a charge for my report?

A. Sometimes. There is no charge if a company takes adverse action against you, such as denying you credit, insurance or employment, and you request your report within 60 days of receiving the notice of the action. The notice will give you the name, address, and phone number of the CRA. In addition, you’re entitled to one free report a year (1) you’re unemployed and plan to look for a job within 60 days, (2) you’re on welfare, or(3) your report is inaccurate because of fraud. Otherwise, a CRA may charge you up to $9.50 for a copy of your report.

Q. What can I do about inaccurate information?

A. We will discuss later in this workshop.

Q. Can my employer get my report?
A. Not without your approval

Q. What should the consumer know about investigative reports?
A. “Investigative consumer reports” are detailed reports which involve your lifestyle, character, and reputation. They may be used in connection with insurance and employment applications. You’ll be notified in writing when a company orders such a report. The notice will explain your  right to request certain information about the report from the company you applied to. If your application is rejected, you may get additional info from the CRA. However, the CRA does not have to reveal the sources of the information.

Q. How long can negative information stay on my report?
A. Ten years as of March 1st 2004.

Q. How long does positive information stay on my report?
A. Ten years once the balance is at Zero otherwise indefinitely.