If you are worried that you have been a victim of fraud and can see information on your credit report you are concerned about, we would encourage you to:
- Raise a dispute against the information you are concerned about in your credit report. TransUnion’s team of data specialists will raise your concerns with the organisations who provided this information to them to make them aware that the data is possibly fraudulent. The organisation will then investigate and if they find evidence that fraud has occurred, they will remove the data they have shared with TransUnion. Alternatively, if you prefer, you can contact the organisations directly with your concerns.
Please refer to "What is a Notice of Dispute (NOD)?" for more details on how to raise a dispute.
- Add a password for lenders to request when processing an application for credit. You can do this by adding a Notice of Correction to your credit report with the password of your choosing.
Please refer to "What is a Notice of Correction and how can I add one to my credit report if needed?" for more details about how to add a Notice of Correction.
- You may choose to contact Cifas, the UK’s leading fraud prevention service, here to apply for protective registration. This costs £25 and lasts for 2 years. It is a marker that will notify anyone who searches your credit report to take special precautions to check your identity before offering any credit.