FAQs About Changing Information on Your Credit Report

Questions About Changing Information on Your Credit Report:

  1. I’ve moved recently. How can I make sure this is reflected in my credit report?
  2. My name has changed due to marriage/divorce/a legal name change. How can I change my name on my credit report?
  3. Is there any way to explain negatives on my report?
  4. Someone else’s name is included on my credit report. How can I have their name removed?

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Answers:

I’ve moved recently. How can I make sure this is reflected in my credit report?

Credit reference agencies generally obtain your name and address from the electoral role, so be sure that your address is current there. Besides making sure your address is current on your
credit report, you should be sure that each of your creditors knows that you have moved. If a creditor has the wrong address for you, this could actually bring down your credit score.

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My name has changed due to marriage/divorce/a legal name change. How can I change my name on my credit report?

As with address changes, be sure that your legal name change has also been registered with the electoral roll. This will change your name on your credit report, but you should still contact every creditor individually to be sure that they have your new name on file.

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Is there any way to explain negatives on my report?

Yes, you can request to have a note added to your report. If you have negatives such as missed payments, late payments, bankruptcies, or foreclosures on your report and you feel that you have an explanation that is important for potential lenders or other people that access your report to know, you can add a note up to 200 words. Anyone who has accessed your report within the past six months will be notified of the added note, which is known as a “Notice of Correction.”

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Someone else’s name is included on my credit report. How can I have their name removed?

If you have someone listed on your report with whom you do not have a financial association, you will need to fill out a form to start the process known as “dissociation.” You will need to do this through a credit reference agency. The agency will either ask for you to send a form by post or to fill a form out online. You will need to indicate the other person’s name, birth date, address, how they are related to you, and any address where you may have lived with the person. Once the form is processed, that person’s name will no longer be listed on your credit report.

Note that, in the case of a valid joint account, dissociation is not possible. If you have a valid joint account where you signed your name to someone else’s account as a guarantor, you are responsible for any failure to pay and the account cannot be removed from your report.

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