Common CCR Questions - How do I remove something from my credit report?

Common CCR Questions: How do I remove something from my credit report?

Last updated: 18 September 2018

Here at Credit Savvy, we get asked a lot of questions. Today we tackle a common CCR question as part of the Common CCR Questions series:


Q: How do I remove something from my credit report?

A: If there is an error on your credit report, you should first contact the organisation that provided the incorrect information. They may be able to explain, remove or update the entry in question. If they are unable to correct the error, you can contact the credit reporting body and follow their corrections process. If neither the organisation or the credit reporting body are able to fulfil your request, you can escalate the matter to the industry ombudsman.

Remember, entries on your credit report can only be removed if they are incorrect, misleading or out of date. For example, a default will remain on your credit report for 5 years even if you have paid it off.

If there are errors on your Credit Savvy credit report summary, you can contact Experian and follow their corrections process here.


Anything else I should know?

Beware of credit repair companies! Credit repair companies claim to be able to remove information from your credit report, but as we’ve stated above, information can only be removed if proven incorrect. Credit repair companies usually charge excessively high fees for a service that you can perform yourself for free.


Want to learn more about CCR and how it could affect you? Head over to the Learning Hub to get the latest information today.

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