![sp_Feed](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_Feed.png)
![sp_TopicIcon](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_TopicIcon.png)
10:54 am
February 22, 2013
![sp_UserOfflineSmall](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_UserOfflineSmall.png)
Once a flag is there it is virtually impossible to remove it. The flag I have on my report takes the form of "possibly victim of stolen identification". When this was reported they flagged my file. It would be extremely difficult to now say, "oops, no, I am now convinced it is NOT possible I was the victim of stolen identification".
GS
7:29 pm
October 21, 2013
![sp_UserOfflineSmall](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_UserOfflineSmall.png)
11:44 am
December 12, 2009
![sp_UserOfflineSmall](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_UserOfflineSmall.png)
Why did Peoples Trust put a "flag" on your credit report? If it was because of something (relatively) minor (i.e., bounced EFT that overdrew account, provided account wasn't closed), they shouldn't be doing that. That's just plain wrong and I'd escalate this to their Customer Service Manager and, ultimately, to their Ombudsman if necessary. If the account was closed when overdrawn, that's a different matter as they had to write something off for you. You can ask that you be allowed to repay it, but I'd be sure to negotiate, in advance and in writing, that they agree to write to both Equifax and TransUnion (possibly the Experian-owned Northern Credit Bureaus, if necessary) to request that this be expunged from your credit bureau.
If it was do to a delinquency or write-off on your credit card with Peoples Trust, that's a different matter. You can again offer to repay this amount, but they are under no obligation to remove the negative remark from your credit bureau as it reflects your past history. It should automatically fall off after 6 years. If it doesn't after 7 years, you'll need to write to the credit bureaus and request they purge it in accordance with their own data retention rules.
Hope that helps,
Doug
11:47 am
October 27, 2013
![sp_UserOnlineSmall](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_UserOnlineSmall.png)
2:46 pm
December 12, 2009
![sp_UserOfflineSmall](https://www.highinterestsavings.ca/wp-content/sp-resources/forum-themes/default/images/sp_UserOfflineSmall.png)
They should be able to, if you request they do so. If it's just a "privacy" warning/type flag, this won't impact your credit score in any way, but will impact your ability to apply for credit until it is removed.
If they won't remove it, you should be able to go through Equifax/TransUnion/Northern Credit Bureaus (although, if you're using a P.O. box, you may not be able to authenticate yourself via their IVR and may have to send in photocopies of your two pieces of ID, one being photo, and a copy of your utility bill showing both your addresses).
Hope that helps,
Doug
Please write your comments in the forum.