Alimony or child support payments. Student loans (if you stopped being a student less than seven years ago). Debts arising from fraud. There are other debts as well, but it is best to speak with a Licensed Insolvency Trustee to discuss your exact situation.

The Licensed Insolvency Trustee will advise the Office of the Superintendent of Bankruptcy and all the proven creditors of a debtor, of the debtor completing the terms of their bankruptcy or consumer proposal, but it is the obligation of the debtor to advise the credit bureaus.

If you had any debts that did not qualify for discharge you will have to make arrangements to pay those creditors. (See FAQ 3 and discuss with your Trustee)

The two credit reporting agencies in Canada are Equifax Canada and TransUnion . You should review the Financial Consumer Agency of Canada’s publication Understanding your credit report and credit score . By visiting their website you can learn more about: Credit report and score basics How to understand your credit report How to improve your credit score How to correct errors and...

Further to FAQ 4 and 6 above it is the duty of the debtor.