| Author: |
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Ken H |
| Date: |
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May 6, 2000 |
| Question: |
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I have been an American citizen all my life but have lived in Canada all my life. However, I am now leaving to live in the US and will be obtaining a social security number. My question to you is, what happens to my current credit file? If I apply for credit down in the States using a new social security number and a new address will I in fact be creating a new credit idenity for myself? Or is this even possible?
My next question concerns a bankruptcy. I recieved a full discharge in August of 94. I live in BC where the bankruptcy was obtained. I had wondered when this will be removed from my credit file as their seems to be a lot of uncertainty even amongst banking professionals. My trustee had told me 6 and I had confirmed this with an Equifax telephone operator. According to them I should expect to see it off my file in
August of 2000. Could you please confirm this, and would you recommend someone I could speak with perhaps about this and other issues I might have regarding my credit situation.
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From: |
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Shane Brenneis, Collins Barrow Limited |
| Date: |
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May 8, 2000 |
| Answer: |
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The credit bureaus are private member service companies and are not subject to any sort of legislation. I believe that there is very little
communication between Canada and the US, so you may be able to set up a new credit identity.
I can confirm that it is my understanding that all information drops off the credit bureau at the end of the six years. With respect to obtaining information, you may wish to phone Equifax directly at 1-800 465-7166.
Shane Brenneis
phone: (403) 298-1575
sbrenneis@collinsbarrow.com
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