When the reinvestigation is complete, the CRA must give you the written results
and a free copy of your report if the dispute results in a change. If an item is
changed or removed, the CRA cannot put the disputed information back in your
file unless the information provider verifies its accuracy and completeness, and the
CRA gives you a written notice that includes the name, address, and phone
number of the provider.

Also, if you request, the CRA must send notices of corrections to anyone who
received your report in the past six months. Job applicants can have a corrected
copy of their report sent to anyone who received a copy during the past two
years for employment purposes. If a reinvestigation does not resolve your dispute,
ask the CRA to include your statement of the dispute in your file and in future
reports.

Second, in addition to writing to the CRA, tell the creditor or other information
provider in writing that you dispute an item. Again, include copies (NOT originals)
of documents that support your position. Many providers specify an address for
disputes. If the provider then reports the item to any CRA, it must include a notice
of your dispute. In addition, if you are correct-that is, if the disputed information is
not accurate-the information provider may not use it again. Accurate Negative
Information When negative information in your report is accurate, only the
passage of time can assure its removal. Accurate negative information can
generally stay on your report for 7 years. There are certain exceptions:

• Information about criminal convictions may be reported without any
  time limitation.
  
  
• Bankruptcy information may be reported for 10 years.
  
  
• Credit information reported in response to an application for a job
  with a salary of more than $75,000 has no time limit.
  
  
• Credit information reported because of an application for more than
  $150,000 worth of credit or life insurance has no time limit.
  
  
• Information about a lawsuit or an unpaid judgment against you can
  be reported for seven years or until the statute of limitations runs out,
  whichever is longer. Criminal convictions can be reported without
  any time limit.