Credit reporting & scores
Learn more about credit reporting, scores, and how to correct your information.
Using the Dispute System
- There is missing information, how can I dispute it?
- I have raised a dispute, however I haven't heard from Equifax
- How do I change my bankruptcy/CCJ/IVA information?
- There is an error on my credit or current accounts
- How do I remove a financial connection?
- How do I change the information on my report?
Questions about my report
- How can I change my current address?
- My electoral roll information is missing/incorrect
- Understanding your 'Insights'
- What if I'm not eligible to vote in the UK?
- My current address and previous address are the wrong way round - what can I do?
- How can I contact my creditors?
Credit Reports
- I’ve moved abroad – what will happen to my credit report?
- Can you provide me with my business credit report?
- What is a financial association
- What is a credit report?
- What is credit utilisation?
- What information appears on my report?
Credit Scores
- What is a good/bad credit score?
- Why has my score gone down?
- How can I improve my score?
- What is a credit score?
- What do the different credit scores mean?
- Do I have the same credit score for every Bank and Financial Institution?
Missed Payments and Upcoming Changes
- How to contact lenders about missed payments
- Received an alert about CJIM0016?
- Can I turn off 'Missed Payment' notifications?
- Can I unsubscribe from Missed Payment and ClearScore Alerts emails?
- Do we share your ‘Missed Payments’ data?
- Who are Tully?
Searches
- What are searches?
- Who can search my report?
- Can I see who searched my report?
- How long do searches stay on my report?
- If I apply for a credit card or a loan, does the lender see the full details of my report, or only some of it?
- There’s a search on my report that I don’t recognise, what should I do?
Public Information
Linking Accounts
- What are 'Linked Accounts?'
- How do I reactivate my 'Linked Account'?
- Why is my 'Linked Account' on this part of ClearScore, but not on my report?
- Why is my 'Linked Account' not updating or missing information?
- I forgot my online banking details, can I still 'Link' an account?
- How long will you store my 'Linked Account' data for?