Clear up any disputed credit records
Your credit report will contain records of overdue payments of 60 days or more when you have been sent a letter notifying you of the default. Also ‘clear out' listings - when the credit provider has unsuccessfully tried to contact you in
however writing and has reported you as a missing debtor.
When you receive our report, go through the listed information carefully. If you believe that a bank or phone company has unfairly listed an overdue account on your credit file, you should contact them and ask for an explanation and for the incorrect information to be immediately rectified.
As with other banking complaints, if the issue is not rectified in a reasonable amount of time then you can refer the matter to the Financial Ombudsman Service (FOS) by filling out an online disputes form available at or telephoning 1300 780808 for further assistance.
If it is a non-banking matter and you complaint is not rectified in a reasonable timeframe then you can contact then you can refer the matter to the relevant industry ombudsman (for example, the Telecommunications Industry Ombudsman, or the Energy and Water Ombudsman).
