If there’s missing information on your report, it could be for the following reasons:
- The financial account is showing under a different company name - Some companies use different trading names to the ones shown in your report. It may be worth doing an internet search to see if you recognise the account name.
- Your lender does not share their information - Not all providers share their information with Equifax. If this is the case, we won’t be able to show this account on your report.
- You have recently opened an account - If an account has been recently opened, it can take up to 5 weeks to show on your credit report while Equifax waits for an update from the lender. Keep checking your report regularly for any updates.
- Your address is out of date or incorrect - If you have moved house and recently updated your details to your current address, this can take up to 5 weeks to show on your report.
- Your savings account doesn’t have a credit facility - If your savings account doesn't have an overdraft facility, it may not be considered a 'credit account' and so may not show up on your report.
- Your account history is older than 10 years - If an account is more than 10 years old, it could be missing from your report because it is unlikely that the credit reference agencies will still hold this older data.
If you suspect something is incorrectly missing from your report, you have a few options:
1. Contact the bank or lender directly
Your quickest option is usually to contact the provider to see why this information isn’t showing - it may be related to some of the reasons mentioned above. If they agree to share this information, they’ll give the changes to Equifax (our data provider). This information should then appear in your ClearScore credit report within 4-5 weeks.
2. Raise a dispute with Equifax
If you’re unable to get this resolved with the bank or lender, you can ask Equifax to investigate this on your behalf. We get all your credit report data from Equifax, so any changes to your report will need to be made by them.
Before you raise a dispute, you’ll need to verify your ClearScore email address. You can do this in your ‘My Account’ section.
Once you’ve done the above, 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.
If you want to learn more about other common credit report problems and how to fix them, have a read of our Learn article.