Credit & disputes

Send a credit dispute letter online

If your Canadian credit report has an error, you can dispute it in writing to Equifax Canada or TransUnion Canada. Type your dispute letter, attach supporting documents, and we mail it through Canada Post within 24 hours.

Mail a credit disputeSee pricing
From $6 per letterMailed via Canada PostShipped within 24 hoursNo printer needed

How it works

Four steps. Most letters take under two minutes from sign-in to mailed.

  1. 1

    Write your dispute letter

    State your full name, date of birth, address history, the disputed item, and what you believe is incorrect.

  2. 2

    Attach supporting documents

    Attach copies of bills, statements, ID, or any document that supports your dispute. Up to five attachments.

  3. 3

    Enter the bureau's address

    Equifax Canada Consumer Relations or TransUnion Canada Consumer Relations. Use the published address on the bureau's website.

  4. 4

    We mail within 24 hours

    Mailed via Canada Post. The bureau is required to investigate disputes received in writing.

Who this is for

  • Anyone disputing an error on an Equifax or TransUnion Canadian credit report
  • Identity theft victims correcting fraudulent accounts
  • Consumers disputing inaccurate late payments
  • People rebuilding credit after bankruptcy or consumer proposal

Common use cases

Disputing inaccurate accounts

An account on your report that is not yours, was settled, or shows incorrect dates.

Identity theft

Disputing fraudulent accounts opened in your name. Include a police report number where available.

Inaccurate late payments

Disputing late-payment marks that were paid on time or are otherwise incorrect.

Outdated negative items

Disputing negative items beyond the maximum reporting period under the relevant provincial credit reporting law.

What you can rely on

PostPal is operated as a utility, not a marketing channel. We do one thing: print and mail your documents through Canada Post.

Domestic
$6
2-4 business days
International
$12
6-12 business days
  • Mailed via Canada Post within 24 hours
  • Up to five attachments per letter
  • PDF copy of the letter retained on your order page
  • Files deleted after mailing

Frequently asked questions

What address do I send the dispute to?

Use the consumer disputes address published by the bureau. Equifax Canada and TransUnion Canada both list mailing addresses for written disputes on their websites — the addresses are different for each bureau.

Should I dispute with one bureau or both?

Credit data is reported to bureaus independently. If an error appears on both reports, dispute with both. Sending one letter to one bureau does not update the other.

How long does the bureau have to respond?

Provincial consumer reporting laws and bureau policy generally require a written response within 30 days. The bureau must investigate, contact the data furnisher, and update the report if the dispute is upheld.

Should I send by registered mail?

Many people send credit disputes by registered mail or with delivery confirmation for proof. PostPal mails letters as standard lettermail; if you need registered mail, contact us before paying.

What should I include with my letter?

Include: full legal name, date of birth, current address, recent address history, government ID copy, the specific disputed item with account number, and supporting documents. The clearer the documentation, the faster the response.

Related solutions

Other ways to send mail through PostPal.

Ready to send?

Type a letter or upload a PDF. We mail it via Canada Post within 24 hours.

Mail a credit dispute — $6See all solutions