Credit Reporting Agencies

There are two main credit reporting agencies in Canada, Equifax and Transunion.
Equifax and Transunion simply data collection and reporting companies. Their members will report to them the collection and payment information on each of their customers. Equifax and Transunion collate and store this information in an individual's credit report and make this information available to any of their other members if you approach them for credit.
If you are checking your credit history make sure you check both Equifax and Transunion as not all lending institutions are members of both.

Equifax -
Transunion -

Insolvency Related Links

The Canadian Association of Insolvency and Restructuring Professionals (CAIRP) is the national professional organization representing 920 general members acting as trustees in bankruptcy, receivers, agents, monitors and consultants in insolvency matters. There are an additional 615 members (in the articling, life and corporate categories. The Association is a non-profit corporation, established in 1979 to advance practice of insolvency administration and the public interest related to it.

The OSB is the government agency that oversees the administration of the Bankruptcy and Insolvency Act and the Licensing and monitoring of Trustees.

A free publication from the OSB with answers to your questions about debt, information about the bankruptcy process and alternatives to bankruptcy.

The Wage Earner Protection Program (WEPP) reimburses eligible workers for unpaid wages, vacation pay, severance pay and termination pay they are owed when their employer declares bankruptcy or becomes subject to a receivership under the Bankruptcy and Insolvency Act.

The Financial Consumer Agency of Canada (FCAC) is an independent body working to protect and inform consumers of financial products and services.  

The Office of Consumer Affairs (OCA) promotes the interests and protection of Canadian consumers.

The Office of Consumer affairs offers tips on dealing with collection agencies