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Property Rental Data

TransUnion have teamed up with CreditLadder to supply Property Rental Data to your credit file.

All you have to do to start seeing your Property Rental data on your credit file is provide CreditLadder with permission to share this data with TransUnion, you can find out more information about CreditLadder and opt in to start sharing your data on their website:

For more information on how TransUnion will use the Property Data received from CreditLadder please see our CRAIN notice. For information on how CreditLadder will use your data should you opt in please see their].

If you’ve opted in to share your Property Rental data with TransUnion, this information will appear in your Financial Account information on your Credit Report.

Please be mindful that once you have provided consent to share your data with TransUnion it may take up to 8 weeks before that information is shown on your Credit Report, so if it is not immediately visible it is likely this information has not yet been shared with us.

If it has been longer than 8 weeks it may be that your rental data is not yet being shared. Please contact CreditLadder directly to discuss this in the first instance.

Once you have provided consent to share your data with TransUnion, it may take up to 8 weeks before that information is shown on your Credit Report. After this, updates to your Property Rental data will be shared with TransUnion and visible on your credit report every 4 – 6 weeks.

Yes. Property Rental data will contribute to your overall credit score.

Just like all other credit commitments you take out, ensuring that you maintain your rental payments on time may help to improve your credit score. Equally any missed rental payments may have a detrimental impact on your credit score.

Yes, if you’ve agreed for Property Rental data to be shared with TransUnion. Similar to the other financial account information you may see on your TransUnion Credit Report, Property Rental suppliers have the same obligations to report arrears, arrangements and defaults, where applicable, so these will be appear on your report.

If you see something on your credit report you believe isn’t being reported correctly, you can let us know by raising a dispute. We will then query the data’s accuracy with the data provider.

To find out more information on how to dispute an item on your credit report, please read our Dispute FAQs.