During my most recent bad experience with NSLSC regarding a repayment assistance application, my file was automatically flagged as delinquent in their system even though I had multiple assurances from them that it was not. As a result of this, I was automatically sent a letter claiming that I was seriously in arrears (I wasn't) and that they had made a report to the Credit Bureau.
I called Equifax the day I received the letter, and it doesn't appear that they had actually made such a report (since then, the RAP application matter has finally been resolved -- after 2 months of fighting with them -- and they've told me that they've reversed that report). Anyway, Equifax informed me that there are 9 reports on my file of payments that are less than 90 days overdue. They are all from Revenue Services Canada, which had a previous student loan that had gone into collections. They had my file for approximately 2 years until it was paid off in full. I checked my records and confirmed that I never made a late payment once: actually, all my payments to them were early. But when I called them I was told that when an account is in collections, even though the borrower is diligently paying it off, it will marked late every month. I confirmed with them that if Revenue Services has an account for 30 months it will be reported as late every single month, even if it isn't. Is this true? It certainly doesn't explain why "only" 9 of my payments were marked as late over a 2 year period.
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