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How do I describe an error in a credit report?
Identify the entry and why it differs from the records you hold.
Account status, payment history and identity details can require different evidence and procedures.
Consult the local reporting body's correction process and keep copies of submissions. A disputed entry should not be treated as corrected before confirmation, nor can this guide promise a specific score change.
Work through the repayment planning guide
Definitions
- Credit inquiry
- Request to access credit information; its visibility and consequences depend on the inquiry and local system.
- Prequalification
- Preliminary indication based on stated conditions, distinct from verified approval and a final agreement.