There's a listing on my credit report I want to query

What's happening

You have seen a listing on your credit report that you believe is wrong — perhaps it does not belong to you, the amount is incorrect, or it should have been updated. You are entitled to query information about you and to ask for genuine errors to be corrected.

This is general information, not legal advice. Credit reporting can be complex, so please also seek free, independent advice.

What to do

First, check the listing against your records so you can be specific about what looks wrong. Then raise a correction request in writing — you can usually do this with the organisation that listed the information and with the relevant credit reporting body. Explain clearly what is incorrect and what you believe the correct position is.

Step by step

1. Obtain a copy of your credit report — you can request one for free from the credit reporting bodies.
2. Identify the listing and note exactly what looks wrong.
3. Gather any records that support the correct position.
4. Write a correction request explaining what is incorrect and why.
5. Send it to the organisation that listed it and the relevant credit reporting body.
6. Keep dated copies and follow up if you do not hear back in a reasonable time.

What evidence helps

Helpful evidence includes anything showing the correct position — payment records, a settlement confirmation, or proof the account is not yours. If you believe the listing relates to identity theft, a report reference is useful. Our Help Centre has more on credit listings and corrections.

Who to contact

If the listing relates to an account with us, you can raise it through the contact page. You can also contact the relevant credit reporting body directly. For free, independent advice, call the National Debt Helpline on 1800 007 007. If a correction cannot be agreed, an external scheme such as AFCA may be able to consider it.