Information & Ethics committee  We have a lot of information on our website. We have worked among others with police services as well as many agencies in order to publicize it. We also run campaigns in schools. I think Canada's privacy commissioner could include more consumer-oriented information in her toolbo

Information & Ethics committee  I'd like to just address one of your questions with regard to the dissemination of information because of the fact that multiple credit reports may be requested. You mentioned telcos. Typically, this is the way that telcos will handle that. The agent on the phone actually doesn

Information & Ethics committee  They get a decision. So the access to information is very tightly controlled. I don't want you to get the impression that anybody can just see a credit file.

Information & Ethics committee  No, what I was referring to is that the legislation requires us to have offices in some of the provinces, so we have to have a walk-in centre.

Information & Ethics committee  I think the issue we have there is that over time we've built an infrastructure that's already in place, so in order for us to change it and invest in other technologies, we still have to bear the burden of those costs. So, for example, we've invested in IVR technology—and I know

Information & Ethics committee  I can tell you that every time there's been a reform in the consumer reporting acts in the various provinces, that is one of the things we've advocated for. Basically, in this day and age, do we really need to have an office outside of our core headquarters, because if we didn't

Information & Ethics committee  In Canada, since the birth of credit agencies, the law requires us to have offices in certain provinces. Thus we have an infrastructure that allows a consumer in Nova Scotia, for example, to go to a TransUnion Canada office to get a credit report. Because of these legal requireme