| By :
Terry S Vostor
A bank loan that you applied for was rejected.
The bank maintained that your personal credit standing showed that you were a bad risk. The first instance that you apply for credit or a loan a conventional credit record is started.
This data consists of your home address and basic information on your job, compensation and paying habits. Banks, credit unions, stores and possible boss often run to credit reporting
agencies to register personal information on individuals' financial and communal undertakings.
The information compiled back these organizations in coming up with a decision whether to give a person credit, tenancy, insurance or employment.
Preventive measures are taken to warrant personal file information is correct and it is the right of all Manitobans to know what information is there in their personal file. What's in your Personal File Your personal file contains facts about yourself. To examine all information in your file once every six months or if you have been denied a benefit covered by The Personal Investigations Act is a right you must exercise. These steps should be followed when looking into your file at a personal reporting agency: - Know if the agency has a file on you.
- If there is a file ask for a copy of it. (You will have to prove who you are and may have to pay a minimal charge).Under the Personal Investigations Act it is an offense to divulge the contents of a personal file to anyone not authorized to receive it. To determine the kind of information that can be revealed, contact the Consumers' Bureau.
- If the information in your personal file is inaccurate, there are procedures to pursue under The Personal Investigations Act for documenting a protest.
- If the information cannot be confirmed. The Personal Investigations Act states that the information must be removed from your file. Nevertheless, if it can be verified and meets all the requirements within The Personal Investigations Act, objection must be recorded in the personal outline. Action taken must be reported to you and to anyone who has been given the report
within the previous 60 days. - If you are dissatisfied by the action taken you may appeal the matter to the
Director of the Consumers' Bureau. The Personal Investigations Act In Manitoba you have certain rights concerning your file. These rights contain: - The right to be told officially if a personal investigation is being conducted on you.
- The right to get acquainted as to what information is in your file.
- The right to object strongly any incorrect information included, as provided for in The Personal Investigations Act.
- The Personal Investigations Act ensures that only factual and investigative information can be included in a personal file.
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