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You have a legal right under the Data Protection Act 1998 and Consumer Credit Act 1974 to dispute the information we hold about you if you believe it is not correct. We can only consider your dispute if you write to us within 6 months of receiving your credit file. Most of the information we hold is updated on at least a monthly basis, therefore a credit file that is over 6 months old is likely to be out of date. If your credit file is over 6 months old you must make a new application for your credit file to check the accuracy of the most up to date information we hold. Click here for details of how to request your credit file?. When we send your credit file to you we will enclose a Statutory Rights document entitled "Schedule 1". This explains your legal rights in detail.
You must obtain a copy of your credit file from Callcredit before we can add a Notice of Correction to our database. Once you have received your credit file from us you may dispute information you believe to be incorrect. If we are unable to amend the information you have disputed because it is factually correct, you have a right to add a Notice of Correction to your credit file. Please write to us quoting your Callcredit reference number and confirm the wording you would like to add to your file. Please remember that the Notice cannot be longer than 200 words long and must not be defamatory, libellous, incorrect or frivolous.
If your dispute relates to the Electoral Roll please click here
If your dispute relates to public information i.e. a County Court Judgment or Bankruptcy Order please click here
If your dispute relates to Share (credit account) information please click here
If your dispute relates to your Credit Search History please click here
This is a 200 word statement that you can add to your credit file, to explain any entry on it. If you add a Notice of Correction to your credit file any organisation accessing your credit file through Callcredit will have access to your Notice of Correction. Please bear in mind that if you add a Notice of Correction to your credit file, lenders searching our database for information we hold about you are obliged under the Guide to Credit Scoring to read your Notice of Correction. This may slow down their decision of whether to offer you the product/service you have applied for.
A Notice of Correction cannot be longer than 200 words long. Any statement we believe to be defamatory, libellous, incorrect or frivolous may be referred to the Information Commissioner for arbitration.
