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Have you found an error on your credit report?

Ever spotted a mistake on your credit report? We’re looking to hear from anyone who’s noticed an error in the last few years.

Finding a mistake on your credit report is surprisingly common. When we surveyed 1,105 members of the public in 2019, one in five who’d checked their report said theirs contained incorrect information

Examples of credit report errors include an incorrect address, an old bank account, a payment falsely recorded as missed or a fraudulent credit application made in your name.

Even small errors can have huge consequences, dragging down your credit score and hindering your chances of getting a mortgage, credit card or loan. 

A punishing system

We’ve heard from a number of people who were denied access to a financial product because of incorrect credit information.

Many of them told us how unfair it felt to be denied credit for this reason – especially if the error was the result of fraudulent activity. ‘I feel like a victim all over again,’ one person this happened to said.

When you notice a mistake, it’s up to you to contact credit reference agencies and lenders to get it removed. 

Hopefully this process will be straightforward, but it isn’t always. Some of the people we spoke to said that the credit reference agency or lender in question took weeks or even months to remove the error.

When did you last check your report?

Checking your report allows you to pick up on mistakes that could prevent you from accessing certain financial products. It’s recommended you check your credit report at least once a year, but you can do it as often as you like. 

Your report is compiled by credit reference agencies – the three main ones are Equifax, Experian and TransUnion. Equifax reports and scores are available free through Clearscore. 

Experian offers free access to its credit reports when you sign up to the Money Saving Expert Credit Club. Meanwhile, TransUnion lets you check your report for free through a service called Credit Karma.

Tell us your story

We want credit reference agencies and lenders to ensure people’s credit data is accurate and, where it isn’t, to make it as pain-free as possible for consumers to get the information corrected. 

In support of this, we’re looking to gather as many stories together as possible from people who’ve been affected. 

Have you found an error on your credit report? Did it lower your credit rating or negatively affect an application for credit? 

Let us know in the comments. If you would rather share your experiences more privately, contact us at conversation.comments@which.co.uk.

Rich says:
26 August 2021

I used to look at my score with Experian, was at 999 at one point, I have no credit cards or loans. Checked credit report last year and down to just over 700 because I am not registered to vote at my current address. I checked this with the council and I am registered to vote.

Michael Flanagan says:
3 September 2021

Same with me been on list nearly 20 years same address.
Trans whatever it is should be wound up and it’s directors banned!

I noticed while opening a bank account that my dormant company, which had never opened for business because of the pandemic, twice changed its credit status.
I suspect that some idiot at a Rating Agency misread or misunderstood the statutory Annual Return, or alternatively the Agency’s algorithm is making false inferences merely from the effluxion of time. Either way, the rating agency probably Experian, should be outed as irresponsible.

15/3 22. Recently checked via Googling ‘check my credit’ thinking l could look at the 3 main agencies sites. Now have a £1.50 Current Account charge from Checkmycredit.com for an enquiry l aborted when suspecting all was not as it seemed. They use details from the triarge & l was ‘robbed’ for inadvertently visiting their site. Some of the big 3 come on strong with their recommended credit card & loan offers following unrelated checks with them. None appear to be Best Buys. Am now dealing with my bank’s Bot !