Frequently Asked Questions About Credit Bureau Placements

Provided By Lisa Nadon, Licenced Paralegal

Landlords can report rent payments to the Credit Bureau’s using FrontLobby.

Here are the answers to the top questions you may have about rent reporting. Answers provided by Lisa Nadon of Small Matters.

Lisa has spent the last 21 years as a business owner and paralegal. She has been licenced with the Law Society since May 2008 and specializes in Landlord and Tenant and Small Claims Court.

Lisa’s company Small Matters Paralegal specializes in Landlord & Tenant matters, including student housing properties. Servicing local area Kitchener-Waterloo and across all of Ontario. Learn more about Small Matters by visiting smallmatterspa.ca.

1. Is a Landlord and Tenant Board Order required to place a rental debt on a credit report? 
You can place debts on a tenant’s credit report even if you do not have a Landlord and Tenant Board Order. The onus is on you to ensure that what is sent to be placed is accurate and can be proven. It is a serious offence to provide false or misleading information.

2. Do you need consent to place a debt on a credit report?
You do not need authorization from the tenant to place a debt on their credit report.

3. Is it harassment to place a debt on a credit report?
It is not harassment to place a debt on a person’s credit so long as the debt can be validated. It is not harassment to place a validated debt on a tenant’s credit report.

4. Should you report a debt if the matter is before a Board/Tribunal/Court already?
It is not advised to place debts on a tenant’s credit report if the matter is before a Board/Tribunal or Court for a decision. Every person has the right to defend their allegations and a court proceeding means that the allegations have not yet been proven.

5. Who can dispute information on a credit report?
Any person has the right to look at their credit report and address any issues that may be listed there.

Are you ready to increase your revenue, reward responsible Tenants, and reduce the risk of delinquencies?

Disclaimer

The information provided in this post is not intended to be construed as legal advice, nor should it be considered a substitute for obtaining individual legal counsel or consulting your local, state, federal or provincial tenancy laws.

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