canadian site cash no employer call

A very bad history - but paid off in 2001 - auto loan was reporting a balance due and past due amount, I disputed with EQ and got a 10 point jump from the removal of those two incorrect items. However, the DW's EQ dispute came back verified so we sent the CYA letter to OC.
Later that day, as the waters reach higher, another boat, and the same response.
This letter keeps it in layman's terms..hoping that's simple enough for them.
(Canadian site cash no employer call) $14,000 is through a credit union as an auto loan for my new Honda Civic, and $11,000 is for student loans I have received in the last year or two.
So if a homeowner has a house they have owned for 30 years, and purchased, for say $50,000, that is now worth $200,000, they are paying taxes on at most $80,000 assessment.
Once you hit the 700 number you are golden but where you are you are in the "tweaner" stage.