How to Guide: Raising a Dispute on Your Credit Report

CreditKnowledge.co.uk is a reporting service, enabling our customers to access, understand and manage their Credit Report and Score.

The information used to make your Credit Report and Score is obtained from the Credit Reference Agency (CRA), TransUnion (formerly CallCredit).  This information is based on the data that is provided to them by financial organisations, local authorities, courts and insolvency services. It is important to investigate further if you spot information that seems wrong on your report as it may also be wrong at the organisations who have provided it.

Something Looks Wrong - What Do I Do?

The data providers generally update account balances every 4-6 weeks, but there are occassions where it can take up to 12 weeks. Therefore it can take up to 12 weeks for these changes to be shown on your credit report.  If you think it has gone past this time there are a couple of things that you can do:

  1. Directly contact the company that the account relates to - they can make the amendment or ask the CRA to make the necessary adjustment
  2. Alternatively, if you are a CreditKnowledge.co.uk member, you can raise the issue via your account

How Do I Raise The Issue Through CreditKnowledge.co.uk?

Log into your CreditKnowledge.co.uk account, and click to view your credit report. You will see a button next to each account on your report that lets you inform TransUnion (formerly CallCredit) of any problems you have spotted on your report.

  1. Simply click the ‘Something look wrong?’ button like in the example below:



  2. In the pop up confirm you want to raise a dispute by clicking the 'Yes I want to dispute this':



  3. Finally you just need to select the reason why this information is incorrect from the dropdown to raise a dispute:


When you raise a dispute, they will make the lender aware and ask them to investigate.

You can also write to TransUnion (formerly CallCredit) at TransUnion, Dispute Team, PO Box 491, Leeds, LS3 1WZ, don't forget to include all supporting material (for example statements or letters from the lender involved). This will be sent on your behalf to the relevant lender and we expect that you will receive a response within 28 days.

What Happens Next?

TransUnion (formerly CallCredit) will update you within 28 days of you raising a dispute.

How Long Will It Take To Be Corrected?

If the data provider agrees to amend the information, it will be be updated on your credit report the next time they provide TransUnion (formerly CallCredit) with the account information. As mentioned above, it can take up to 12 weeks to show on your credit report.

Do I Have to Pay To Raise a Dispute?

Under the Consumer Credit Act you have the right to dispute any information that you think may be incorrect, and you will never be charged a fee for doing so.

Will I Lower My Credit Score by Raising a Dispute?

Raising a dispute will not have any impact on your credit score.  However, you may see an improvement in your credit score if the dispute is resolved in your favour. 

Raising a Dispute - Key Points:

  • It can take up to 12 weeks for the data provider to update your account
  • You can raise a dispute by contacting the lender directly or the CRA, TransUnion (formerly CallCredit)
  • If you are CreditKnowledge.co.uk member you can raise the dispute via your account
  • TransUnion (formerly CallCredit) will update you within 28 days
  • If corrected, it can take up to 12 weeks to be reflected on your credit report
  • You do not have to pay to raise a dispute
  • Raising a dispute will not impact your credit score

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Editorial Disclaimer: This article was updated 24/04/2025

Opinions expressed here are the author's alone, and not those of any bank, credit card issuer or any other company. This article has not been reviewed, approved or otherwise endorsed by any of these organisations.