When you have accessed your credit report and looked through it, you may well find some errors. However, who would you contact to get the errors corrected?
Below we have highlighted some of the main errors you may have found and who you will need to contact to get the information changed.
Our free template letters contain all the information that the relevant party will need. All you need to do is fill in the gaps with your relevant information, print them off and pop them in the post.
If you spot any of the following errors on your credit report, you will need to contact your credit reference agency to ask them to rectify the problem.
One linked address entry is exactly the same as one or more others (on the same date, by the same organisation for the same product).
Address information is either slightly wrong or you have never had a financial connection with it.
However, there are some errors that you need to report directly to the lender/organisation concerned. This is because there are some things that credit reference agencies cannot change without the permission of the organisation involved.
Some errors can be corrected by contacting the lender directly, or by asking your credit reference agency to contact the organisation on your behalf.
If you have recently paid off a defaulted account but it is not showing up, your lender will need to be contacted. Bear in mind that defaulted accounts are kept on your report for six years from the date of the default, regardless of whether or not the debt has since been paid off.
Contact details for the credit reference agencies can be found in the ‘Helpful contacts for credit rating information’ section.
Some credit reference agencies (Experian for one) list the names and addresses of all those organisations and lenders with which you have a financial connection. These details will be present somewhere in your credit report. Sometimes, the credit reference agency will not be able to provide the address of an organisation so it is best to check your relevant bill or credit agreement to find the company’s contact details.