canada credit report laws
canada credit report laws
Is it legal for a law firm to check your credit report?
Just wondering if it is legal for a law firm to check your credit report without your knowledge or your permission?
I just found out that the law firm of someone trying to sue me for money checked my credit report. I did not give them permission, nor was it them that let me know they did it.
To me it just doesn’t seem right, but I’m not sure.
I’m in Ontario Canada if that makes a difference.
It is legal for anyone to check anyone else’s credit report if it is used to verify the likelihood of someone being able to come up with money to pay a bill or a lawsuit, etc. The requester simply pays a fee to a credit reporting agency, verifies that they have a legitimate reason for asking, and that’s it. When you buy something on credit you will often see the letters ‘O.A.C.’ in the ad. That means ‘On Approved Credit’ and involves a credit check. Apply for a credit card or a loan and it happens as well. The lawyer is simply doing what he is paid to do and making sure that you will be able to pay the amount they are suing you for. Good luck!!
