It’s frustrating to still see the remnants of it lingering on the credit report as you struggle to complete consumer advice and regain financial footsteps. We hear this all the time, especially when someone is ready to make a mortgage or apply for a new credit.
So let’s clear what should There, what It shouldn’t beWhat to do if your credit report doesn’t catch up with your reality.
How long does a consumer recommends keeping it in a Canadian credit report?
The duration of proposals for most consumers is five years. Usually a fixed payment amount is within sixty months.
Equifax and Transunion handle consumer advice differently, but the general rules in Ontario are:
- Equifax: Consumer proposals shall be deleted within 6 years after the completion date or the filing date, whichever arrives first.
- Transunion: The proposal and related accounts are retained on your documents for three years or 6 years from the date of default on the debt, whichever comes first.
This means that if your proposal is completed as early as early as early 2022, the proposal should be completely cleared by your report by early 2025 (cleared from your report). This is true even if you only have a few months to fully repay the proposal.
Clearance rules may vary slightly across provinces and territories, so please contact the credit reporting agency directly to understand their rules.
What should be deleted and what should be left?
This is an important part. When clearing your consumer advice from your credit report, the proposal should disappear from the public record section and every individual account contained in the proposal.
If you are still seeing an account that indicates something similar:
“Account is closed, the proposal includes”
“Revoked as part of the proposal”
Even if the proposal itself no longer appears, the notes are stale and frankly, they shouldn’t be there.
Why these leftover notes are still important
Even if your balance is shown as $0 and your account is closed, these negative comments will still affect how the lender thinks of you.
Mortgage lenders use a lot of data in particular, and if their underwriters see a bunch of paid-for-life language like “Solved by Proposal” or “Solution in Proposal”, they often treat you like you. Still in recovery phaseeven if you have done the hard work and keep moving forward.
Worse, if you apply for credit and are denied based on outdated information, the rejection could further damage your profile. You don’t want to be punished again For something you’ve solved.
What should you do next
If you have completed the consumer’s advice and enough time has passed, but you are still seeing old notes in your credit report, it’s time to clean it up.
Here is what we recommend:
- Get a current copy of your credit report from Equifax and Transunion. Make sure you are viewing the full report, not just a consumer summary.
- Tag all accounts that still display comments related to the suggestions. Take a screenshot or highlight them, which you will come up with.
- Do not apply for any new mortgages until these credits or mortgages are corrected. Premature application may result in rejection and may be seen on future lenders.
- Work with professionals to object to these items.
For example,,,,, CMT contributor Richard Moxley is one of the most knowledgeable experts in the accuracy and controversy of credit archives in Canada. He knows how to deal with Equifax and Transunion directly and effectively.
Bottom line
Once your consumer proposal lags behind you and enough time has passed, your credit report will reflect a clean sector. If that isn’t, it’s not your fault, but it’s your responsibility to fix it before you do a major financial step like a mortgage renewal or a new app.
Don’t guess how you are in this section. Some lingering notes may cost you thousands of higher speeds and may even keep you down. By updating your credit file correctly, you will be in a position of confidence to move forward.
We have previously written about how homeowners in consumer proposals pay off their proposals before they get used to it for five years.
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Consumer Proposal Equifax Canada Mortgage Strategy Mortgage Tips Ross Taylor Transunion Canada
Last modified: August 25, 2025
