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How to correct information on your credit report

This guide explains what to do if you notice incorrect information on your credit report, how long corrections typically take, and what happens to your background check while the issue is being resolved.


Why might my credit report show incorrect information?

Credit reports are built from data supplied by lenders, banks, utilities, telcos, and other providers. Errors can happen for a few reasons: a payment recorded late, an account still showing as open after it was closed, personal details mixed up with someone else’s, or identity theft. Because credit bureaus don't create this information themselves, corrections usually need to begin with the provider that originally reported the information.

How do I correct information on my credit report?

We recommend following these steps:

  1. Contact the provider that reported the information. Ask them to review the record and confirm whether it needs to be corrected.
  2. Request that they update the credit bureau. If they agree that the information is incorrect, ask them to submit the corrected information to the relevant credit bureau. This is usually the fastest way to get the information updated.
  3. Wait for the update to be processed. Once the provider submits the correction, it may take several weeks for the credit bureau to update your report.

If you're unable to resolve the issue with the provider directly, you can raise a dispute with the credit bureau.

How long will the correction take to show on my report?

After the provider submits a correction, the updated information is typically reflected in your next monthly credit report.

Please allow up to six weeks for the changes to appear, although processing times may vary depending on the country and credit bureau.

If your report has not been updated after this period, we recommend following up with the provider before contacting the credit bureau.

What if the provider can’t or won’t help?

If the provider refuses your request or doesn't respond within a reasonable timeframe, you can raise a dispute directly with the credit bureau that issued your credit report.

The credit bureau will investigate the disputed information with the provider and respond in accordance with its standard dispute process and applicable regulations.

How do I raise a dispute with a credit bureau directly?


Visit the website of the credit bureau that issued your credit report (such as TransUnion, Equifax, Experian, or your local equivalent) and locate its dispute or correction process.

You'll typically need to provide:

  • Your personal and identification details.
  • The account, record, or entry you're disputing.
  • A clear explanation of what you believe is incorrect and what the correct information should be.
  • Supporting documents, such as account statements, correspondence from the provider, or reference numbers.

The credit bureau will investigate the disputed information with the provider and respond within its standard dispute process. Processing times vary by country but are typically 30 to 45 days.

Will this affect my application?


If you notice an error on your credit report, please let both your Veremark point of contact (candidate-support@veremark.com) and your prospective employer know as soon as possible. Let them know what you've done to correct the issue and provide any relevant reference numbers or supporting information.

Your other background checks can continue while the correction is being processed. However, your credit check will be placed on hold until an updated credit report reflecting the corrected information is available.