What do I do if the information on my credit file is incorrect or needs to be updated?
We will take reasonable steps to ensure the credit information we hold about you is accurate, and we will act promptly when we become aware of any errors, to correct them. This will usually involve checking the information you provide with the source, such as a subscriber (or creditor), who submitted a default (for example).
If you think there are inaccuracies in your credit file, there are steps you can take to request that any inaccuracy is corrected or investigated. These steps are outlined in the My Credit File Explained brochure, which you will receive when you order your personal credit file.
We will, as soon as is reasonably practicable, decide whether to make the correction you have requested or to confirm the accuracy of the information. If we need longer than 20 working days to make a decision, we will notify you of the extension and the reason for it. If the requested correction is not made, we will tell you the reason and you may ask to have a statement of the correction sought but not made. This statement will be included in your credit file.
If a correction is made or a correction statement added, we will send an amended report to any Equifax subscriber recorded as having accessed your credit file within the last 30 days, and also to you.
Information about a bankruptcy that has been discharged, or a default that has subsequently been paid in full, can continue to be reported on your credit file, provided it is updated to reflect the later developments, as it remains an accurate statement of those historical events.