If you’ve noticed something on your credit report that looks wrong or is missing, don’t worry. Most issues can be corrected once the right information is provided.
Why information may appear incorrect
There are a few common reasons information may not look right on your credit report:
- Recent changes haven’t updated yet. Most lenders report information monthly, so updates can take time to appear.
- Information has been reported incorrectly, such as an incorrect balance, payment status or account status.
- Information is missing because a lender hasn’t reported it yet or doesn’t report to that credit reference agency.
- Information doesn’t belong to you, such as an account, search or address you don’t recognise.
How to correct information
The organisation that supplied the information is responsible for correcting it.
If you believe information on your credit report is incorrect, contact the lender or organisation that reported it and ask them to investigate.
You can also raise a dispute with Equifax, our data provider, who will contact the organisation on your behalf to verify the information. You can raise a dispute through this portal.
How long corrections take
Timeframes vary depending on the organisation involved and the nature of the investigation.
Once the information has been corrected by the provider, it will usually appear on your credit report after the next reporting cycle.