Credit Bureau and Reporting Issues - Clarity on last activity-Please help

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Clarity on last activity-Please help

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Forum Name: Credit Bureau and Reporting Issues
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URL: https://www.canadastudentdebt.ca/forum_posts.asp?TID=6847
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Topic: Clarity on last activity-Please help

Posted By: csmith73
Subject: Clarity on last activity-Please help
Date Posted: 12/March/2014 at 5:26pm

What is the last activity on your credit report.

Is this supposed to be the last "Voluntary Payment" you have made, or just the last payment.

I was paying the collection agency on my student loan, the last payment I vountarily made was April 1st 2008, I stopped using my CIBC account but didn't close it, and my child tax credit was being garnished out of the account until Feb 2009 when I got CIBC to close the account.

I have all my documentation that shows

- Cleared cheque of last volunatry payment (April 1st 2008)

- CIBC account statements from 2008-2009 showing the amounts pulled were collections

- CIBC student loan documents that match up the collection withdrawals with pmts on the student loan account.

What I am wondering is, can I go to equifax, give them this documentation and tell them that since my last voluntary payment was April 1st 2008, that the limitations hits on April 1st 2014?

Or does the Feb 2009 (collection payment) is that my official last day of activity?

Any assistance would be greatly appreciated.

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Chris