It is extremely important that the information displayed on your credit report is both accurate and up-to-date. Any mistakes or errors on the report could cause you to be wrongly denied credit, or refused applications for credit cards, mortgages, or loans.
When looking over your credit report it is important that you pay close attention to the information listed about yourself and your credit history. If you spot any errors then you must notify the credit reference agencies immediately.
The following template below is a good starting point in contacting the credit reference agencies in order to inform them of any errors and inaccuracies on your file.
[Your address]
Customer service department
[Lender’s address]
[Date]
Dear Sir/Madam,
Ref: [Your account number]
After reviewing my credit report, I believe the information submitted to credit reference agencies regarding the above account to be incorrect.
Delete as appropriate
The report states that I made late payments on [X] number of occasions on the account, when in fact my payments were for the correct amount and on time. I have evidence to support my argument and am prepared to send you this if needed.
Or
The report states that I have taken out [name of product], but I have never applied for such a product. I believe I may have been a victim of fraud and I have reported the matter to the police.
I would like the matter investigated and for all credit reference agencies to by informed about incorrect information on my account. I would also like CIFAS and GAIN to be informed of any incorrect information on my account.
Yours faithfully
[Your signature]
