We use cookies to collect information about how you use GOV.UK. If you have taken out a loan or credit card you will probably find details of this in the original terms and conditions that you signed. Nowhere is this variation more obvious than if you look at the scoring systems from bureau to bureau in the UK.
All content is available under the Open Government Licence v3.0, except where otherwise stated, Department for Business, Innovation & Skills, Coronavirus (COVID-19): guidance and support, Transparency and freedom of information releases. The three main CRAs are: Experian Equifax TransUnion. In fact, we put your best results right at the top. If they respond refusing to amend this information you may wish to make a complaint to us. If you believe you have been a victim of fraud you should report it to the relevant fraud departments of the organisations involved.
If you want to request information about your financial standing, look for the phrase ‘statutory report’ on the CRAs’ websites. Once you have been discharged you will have to notify each of the lenders whose accounts were included in this bankruptcy as they will not automatically be told. You should only be linked to someone who you have a joint account with or in some situations, have agreed to act as a guarantor for (or vice versa).
When a joint account is closed you can write to the CRAs to request a disassociation from that individual.
Please note, in this instance it is the lender who is the subject of any complaint you raise with us, not the CRA.
You have raised a complaint with the company and have received written confirmation that they agreed not to charge you for the period in question due to poor service. If you have taken out a loan or credit card you will probably find this in the original terms and conditions that you signed. How do I get access to information on my credit reference file? The CRAs have a special agreement in place which enables them to share information with each other about victims of fraud. They can. Previously, £2 credit reports were only available via post and took up to seven days to arrive. Therefore, while it may be a requirement of the Consumer Credit Act to issue a default notice, there is no data protection obligation on a lender to issue a default notice to individuals before marking an account as being in default on their credit file. Being linked to a debt that is not yours is not acceptable. If you are able to provide us with evidence from the lender(s) concerned demonstrating that they have acknowledged the account was operated fraudulently but have failed or refused to remove the corresponding entries from your credit file you may wish to make a complaint to us. Before giving you credit, lenders such as banks, loan companies and shops want to be confident that you can repay the money they lend. If the bank is responsible for this data why can’t they just update the entry on my credit file? If this has happened to you, you should raise this as a dispute with the CRA who you obtained your credit file from. These browsers do support the latest security standards: Our guidance during the Coronavirus outbreak. Organisations will usually mark an account as ‘partially settled’ or ‘partially satisfied’. It is unlikely that recording the default, even if you don’t recall receiving a default notice, would breach data protection law.