If you’ve checked your credit report and noticed something that doesn’t look right, you’re not alone. Errors on credit files are more common than many people realise – and the good news is that they can often be corrected.
In this guide, we’ll explain how to spot errors, how to fix them, and what to do if a lender or credit agency disagrees with you.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
What kind of errors can appear on your credit file?
Common credit report errors include:
- accounts you don’t recognise
- incorrect balances
- payments marked as missed when they weren’t
- duplicate accounts
- outdated information that should have been removed
- incorrect personal details (name, address, etc.)
Why it’s important to fix errors
Errors on your credit file can:
- lower your credit score
- affect your chances of getting approved for credit
- lead to higher interest rates
- cause confusion when dealing with debts
Fixing them can improve your financial position and prevent unnecessary stress.
Step-by-step: How to fix errors on your credit file
Step 1: Gather your evidence
Before raising a dispute, collect anything that supports your case, such as:
- bank statements
- payment confirmations
- correspondence with lenders
- copies of agreements
Step 2: Contact the credit reference agency
You can raise a dispute with the agency showing the error (Experian, Equifax, or TransUnion).
There are more detailed instructions on the best way to do this for each agency a little further down.
Explain:
- what is incorrect
- why it is wrong
- what the correct information should be
Step 3: Contact the lender (if needed)
Sometimes it’s quicker to contact the lender directly, especially if the issue relates to payments or balances.
Step 4: Wait for investigation
The agency will contact the lender and investigate your claim.
This can take several weeks, depending on the complexity of the issue.
Step 5: Check the outcome
If your dispute is successful:
- the information will be corrected or removed
If not:
- you can ask for a “notice of correction” to be added to your file
- you may be able to escalate the complaint
How to raise a dispute with each credit agency:
Experian
You can raise a dispute online through your account (such as Experian or MSE Credit Club).
Step 1: Log into your account
Step 2: Find the incorrect entry
Step 3: Select “raise a dispute”
Step 4: Submit details and any evidence you have
Equifax (via ClearScore)
ClearScore gives access to your Equifax report and allows you to raise disputes.
Step 1: Log into your ClearScore account
Step 2: Locate the incorrect account or entry
Step 3: Select the option to report an issue or dispute the information
Step 4: Provide details of what is incorrect, including dates and amounts if possible
Step 5: Submit any supporting evidence if requested
TransUnion (via Credit Karma)
Credit Karma provides access to your TransUnion report.
Step 1: Log into your Credit Karma account
Step 2: Find the account or entry that is incorrect
Step 3: Select the option to dispute or report the issue
Step 4: Explain clearly what is wrong, including dates and amounts where possible
Step 5: Submit your dispute and any supporting documents
In all cases, the agency will contact the lender to investigate your claim. This process usually takes up to 28 days.
Tip: Be as clear and specific as possible when raising a dispute. Include dates, amounts, and any supporting documents to help speed up the process.
What if the debt isn’t yours?
If you see a debt you don’t recognise:
- do not ignore it
- do not assume it is correct
What if the information is accurate but unfair?
In some cases, the information may be technically correct but still feel unfair.
For example:
- a missed payment during a difficult period
- a default that has already been settled
In these situations, you may:
- add a notice of correction
- contact the lender to request a goodwill adjustment
How long does it take to fix errors?
Most disputes take:
👉 up to 28 days, although some may take longer.
It’s important to follow up if you don’t hear back.
Key takeaway
Errors on your credit file can be frustrating, but they are often fixable. Taking the time to review your report and challenge incorrect information can make a real difference to your financial future.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
The following services can help:
- StepChange Debt Charity – Free, impartial debt advice and personalised repayment plans
- Citizens Advice – Independent advice on debt, legal rights, and dealing with creditors
- National Debtline – Free guidance and template letters to help you manage or challenge debts
- Samaritans – Emotional support if you’re feeling stressed or anxious about your situation
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
Can I remove negative information from my credit file?
Only if it is incorrect. Accurate information will usually remain for a set period.
Will fixing errors improve my credit score?
Yes, correcting inaccurate information can improve your score.
What is a notice of correction?
A short statement you can add to explain your situation to lenders.