Knowledgebase

Ask us a question

My financial account/payment history information is wrong

Last updated on: Jun 12, 2016

At ClearScore, we show you your Equifax credit report data.

This raw account data will show in the ‘Accounts’ tab of your credit report, and so if you believe there is something incorrect with this account information, please be sure to find this account in this section of your report so that you can see this account in detail.

If there is something wrong with some of your financial account information, please check the following:

  • Find the account in question in the ‘Accounts’ tab of your credit report, making sure to look through both the ‘Open’ and ‘Closed’ sections.
  • Look through the ‘Payment history’ for that account, to view the information that you believe is incorrect.


If the financial account information is out of date, please be aware that your credit report is updated once a month, and so information on your report can be up to 4-6 weeks out of date.

 

If there is a financial account that you don’t recognise, it may be worth contacting the company involved to find out more information about this, and to get this sorted out.

 

If you have checked through your report and the account is showing incorrect information, please raise a dispute through our disputes process so that Equifax can look into this information for you.

If this is the case, please ensure your email address has been verified, and lodge a dispute via the following link:

https://help.clearscore.com/index.php?/Troubleshooter/Step/View/4

 

Once you have raised a dispute, Equifax will soon contact you via email with the instructions on how you can log into your Equifax support account and track the progress your dispute.

Please note that it may take up to 28 days to come to a resolution, though the process is usually much faster than that.

 

If there’s an account that is missing from your report, this could be for different reasons:

  • They appear under a different company name,
  • This particular lender does not share their information with Equifax (some don’t).
  • Your account is new so hasn’t been added to your report. If an account has been recently opened, this may take up to 4-6 weeks to show on your credit report while Equifax wait for an update from the lender. Keep checking your report regularly to check for any updates.
  • If this is a current account that is missing and doesn't have an overdraft, it may not be seen as an account with credit and so may not show up on your report.
  • If this account is more than 10 years old, the credit reference agencies may not still hold this data on you and so it may not show up on your report.

 

If you suspect something is incorrectly missing from your report, please raise a dispute via the method above so that Equifax can look into this information for you.

 

Please be aware that for a dispute to be processed and sent to Equifax, your email address will need to have been verified beforehand. 

If you haven't yet done so, you can verify your email address by logging in, going to 'My Account', and selecting "Resend verification email": https://www.clearscore.com/account/myaccount