Bankruptcies, CCJs and IVAs will stay on your report for six years from the issue date, even if you've paid them.
If there are any bankruptcies, CCJs and IVAs on your report that you feel are incorrect, you'll need to get these removed as they can an impact on your credit score, here is what you’ll need to do:
- Contact the court directly-You’ll need to provide your case number, and the proof of payment (contact details found below):
If the court agrees with your dispute you’ll be sent a certificate of satisfaction. The Registry Trust will be informed and this information will then be passed onto Equifax (our data provider). This information should then appear in your ClearScore credit report within 4-5 weeks.
- Raise a dispute with Equifax
If you’ve contacted your local court and it’s been more than 4-5 weeks, you can ask Equifax (our data provider) to investigate this on your behalf. We get your report data from Equifax, so they can investigate and make changes directly.
First, you’ll need to verify your ClearScore email address. You can do this via your 'My Account’ section.
Then you can raise a dispute using our contact form. They’ll usually acknowledge they’ve received your dispute within 24 hours. It can take up to 28 days to resolve things, but it’s often much quicker.