What should I do if my credit file is inaccurate?
Another reason for checking your credit report is inaccuracy. "Credit reference agencies compile a lot of information about you, and you want to make sure everything is accurate," says Paula.
An inaccuracy on your record could merely be a simple error, but that's not all. As Richard points out, "it's to keep an eye on anything unusual such as applications you didn't make – as this could be a sign of attempted ID fraud."
If you do spot an anomaly, the first thing to do is contact the credit reference agency and let them know. It may be a simple fix, but be prepared, as it may not be a mistake that the CRA has made. It's likely that they were sent the wrong information by businesses that you have dealt with over time. If that’s the case, you will then need to go directly to them.
If this doesn't work, you can try contacting the Information Commissioner's Office: https://ico.org.uk/concerns/handling
The words 'credit score' can often send us spinning into a panic, but it needn't be that way. By understanding how credit scoring works, you can keep track of your own and take the necessary steps to make sure you’re in control. That way, there should never be any nasty surprises coming your way.