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How to correct incorrect information on your credit report

This FAQ covers how to correct credit report information, how long it usually takes, and what to do if you run into issues along the way.


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. The credit bureau doesn’t create the data itself, so the fix usually starts with the provider that reported it.

How do I correct information on my credit report?

First, contact the provider to check why the information they’re sharing for you isn’t correct. If you contact the lender directly, you can then request them to send the updated information to the credit bureau. This is usually the fastest way to get information updated.

Once the provider has sent the amendment request, it will take some time for the credit bureau to update their records. The changes will reflect in your next month’s credit report, so allow up to six weeks for the new information to show.

If you’re unable to get this resolved with the provider, you can raise it as a dispute with the credit bureau directly.

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

Most updates appear in your next monthly credit report once the provider has submitted the amendment. Allow up to six weeks from the date the request is filed. If nothing has changed after that, follow up with the provider first, then with the bureau.

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

If the provider refuses your request or doesn’t respond within a reasonable period, raise a formal dispute with the credit bureau that’s showing the incorrect data. Every bureau has a dispute process, and they’re required to investigate with the data provider on your behalf.

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


Go to the website of the bureau showing the error (TransUnion, Equifax, Experian, or your local equivalent) and find their dispute or correction section. You’ll usually need to provide:

  • Your personal and identity details
  • The specific account, entry, or record you’re disputing
  • A clear description of what’s wrong and what the correct information should be
  • Any supporting evidence, such as statements, letters, or reference numbers from the provider

The bureau will investigate with the data provider and respond within their regulated timeframe. This varies by country but is typically 30 to 45 days.

Will this affect my application?


Let both your Veremark point of contact (candidate-support@veremark.com) and your point of contact at your prospective employer know as soon as you spot the error. Share what you've done to correct it and any reference numbers you have.

Your other checks can continue in the meantime. The credit check itself will be placed on hold until an updated credit report with the corrected information is available.