What if there's incorrect information on my credit report?

If you think your credit report contains inaccurate information, you should contact the lender first. If they agree that the information is inaccurate, they can make the necessary amendment or ask us to update your file.

Bear in mind that balances are updated every 4-6 weeks. So if the balance shown doesn't reflect the actual balance, there's no need to contact the lender unless you believe the balance is more than 4-6 weeks out of date.

If you prefer you can contact us about any inaccuracies. We will pass this on to the relevant lender on your behalf and respond to you within 28 days. 

If you have a statutory report and wish to dispute any information please write to us within 6 months of accessing your credit report, quoting your credit file reference number and an explanation of why you believe the information is incorrect. Enclose any supporting evidence (such as letters or statements from the lender involved). Send your letter to Customer Care, Consumer Services, PO Box 734, LEEDS, LS1 9GX.

FAQ: Why have I been turned down for credit?