If you feel something isn’t quite right on your report but Equifax can't change it - for example, if you’ve missed a payment but it’s because you were ill - you can add a Notice of Correction to explain this.
This means although Equifax can’t remove this from your credit report, you can write a note of up to 200 words to explain the reason behind why this has occurred.
When writing your notice, please be aware that it must be completely correct, suitable for publication, and mustn't damage someone else's reputation.
Once it’s been successfully placed on your report, any lenders who you’ve applied to for credit have a legal obligation to read it (though they’re not obliged to take this into account when deciding whether or not to lend to you).
Is a Notice of Correction the right action to take?
Although it’s relatively straightforward to place a Notice of Correction on your credit report, remember that it should only be used for one-off incidents. Some examples include:
- Missing a payment, but it's a one-off incident
- Defaulting on a debt because of illness or redundancy
If there’s missing or incorrect information on your report please don’t request a Notice of Correction. To learn more about what to do in this situation, please check out our FAQ here.
How to add or remove a Notice of Correction:
- If you haven’t already, please verify your email address via the ‘My Account' section
- Fill in a dispute form to ask Equifax to add or remove this from your report: raise a dispute.