What should I do if there are errors on my credit report?
You have a statutory right under section 159 of the Consumer Credit Act 1975 to have errors corrected on your credit report.
To do this, if the error relates to payment history information, you will need to contact the lender directly. As every month, lenders report your payment history to the credit reference agencies lenders will then notify Experian of the changes for the next monthly update. There’s little point complaining to the credit reference agency, as the source of information is from your lender. If you are not happy with the lender’s response you can then lodge a Notice of Dispute with the credit reference agency. The information on your credit report is then marked as ‘disputed’ until the matter is resolved within a set 28 day period.
If you are still not happy with the outcome, which is unlikely, you have the right to complain to the Information Commissioner, and you can also pursue a claim for compensation for any loss, under rights you have under the Data Protection Act 1998.
If the Electoral Roll information is incorrect you will need to get written confirmation from the Electoral Registration Officer at your local council and forward copies of this to each of the three credit reference agencies.
For any queries regarding Court information (County Court Judgments, Decrees etc) you need to contact the Court concerned, quoting the case or plaint number.
Any insolvency queries should be addressed to the trustee or supervisor who originally dealt with the case. See www.insolvency.gov.uk for more details on insolvency.
Queries on fraud warnings should be directed to the company that lodged the warning on your report. Please also see www.cifas.org.uk for more details.
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