If you see something on your credit file that you don’t recognise, it’s important to investigate to ensure everything on your report is accurate. Here’s what to do:
Review details: Start by looking at the unfamiliar item’s details. Sometimes, company names or descriptions on your credit file can look different from what you’d expect. For instance, some businesses appear under their parent company names.
Think back on recent activity: Consider any recent credit activity, such as new accounts, credit checks, or even subscription services. These might show up on your report differently than you expect.
Contact the Credit Reference Agency: If you still don’t recognise it, reach out to the credit bureau that provided your report. They can give you more information about the entry and guide you on next steps.
There are three main Credit Reference Agencies in the UK.
TransUnion
Phone
0330 024 7574 (Available Monday to Friday, 8 am to 6 pm)
Online
Dispute an Item: You can start an online dispute by logging into your TransUnion account on their website: TransUnion UK.
Free Credit Report: You can request a copy of your credit report if you haven’t already done so.
Post
TransUnion UK Consumer Services
One Park Lane,
Leeds,
West Yorkshire,
LS3 1EP,
United Kingdom
Experian
Online
Experian provides an online platform where you can raise disputes regarding your credit report. To initiate a dispute, log in to your Experian account and navigate to the dispute section. This method allows for efficient tracking and communication regarding your dispute.
You can send your dispute details to Experian's customer services at customerservices@experian.co.uk. Ensure you include all relevant information, such as your full name, address, and specific details about the item you're disputing.
Post
Experian,
PO Box 9639,
Nottingham,
NG80 1AE,
United Kingdom.
Include copies of any supporting documents and clearly state the details of the dispute.
Phone
For direct assistance, you can call Experian's customer service at 0344 481 8000. This line is available Monday to Friday, 8 am to 7 pm, and Saturday, 8 am to 4 pm.
Equifax
Online
Equifax provides an online platform where you can raise disputes regarding your credit report. To initiate a dispute, create an account on their Online Helpline and submit your query. You'll need a copy of your current Equifax credit report to proceed.
Post
Equifax Ltd
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS
United Kingdom
Include copies of any supporting documents and clearly state the details of the dispute.
Phone
For direct assistance, you can call Equifax's customer service. The specific phone number can be found in your Member Centre or any emails they've sent you. Alternatively, you can ask a question via their Online Helpline