{"id":46120,"date":"2013-10-08T22:22:08","date_gmt":"2013-10-09T02:22:08","guid":{"rendered":""},"modified":"2017-11-22T16:51:28","modified_gmt":"2017-11-22T16:51:28","slug":"what-cannot-be-included-my-credit-report","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-cannot-be-included-my-credit-report","title":{"rendered":"What cannot be included in my credit report?"},"content":{"rendered":"<p>The law also says that some kinds of information cannot be in a credit report at all, even if the information is reliable.<\/p>\n<h2>Criminal matters<\/strong><\/h2>\n<p>Your credit report cannot include criminal convictions that have been discharged or pardoned, or criminal charges that were withdrawn, dismissed, or set aside.<\/p>\n<h2>Certain personal information<\/h2>\n<p>Your credit report cannot include information about your race, creed, colour, sex, ancestry, ethnic origin, or political affiliation.<\/p>\n<h2>Information more than 7 years old<\/h2>\n<p>If any of the following information is more than 7 years old, it cannot be included in your credit report:<\/p>\n<ul>\n<li>debt collection proceedings against you<\/li>\n<li>a bankruptcy, unless you have been bankrupt more than once<\/li>\n<li>a judgment against you, unless the creditor confirms that it is still unpaid<\/li>\n<li>unpaid fines or taxes<\/li>\n<li>criminal convictions (the 7 years is counted from the date of conviction or from the date of release or parole, whichever is later)<\/li>\n<\/ul>\n","protected":false},"featured_media":0,"template":"","class_list":["post-46120","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What cannot be included in my credit report? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-cannot-be-included-my-credit-report\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What cannot be included in my credit report? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"The law also says that some kinds of information cannot be in a credit report at all, even if the information is reliable. 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