By contacting any of the Credit Reference Agencies (CRAs), you can see find out how your credit report has been how your credit report has been impacted; you can also request a copy of your credit report. The CRAs are: Experian , Equifax, or Transunion; note: you may be charged a fee depending on the CRA you use. For a free monthly report, which is 30 days behind the main service, you can use: Credit Karma or ClearScore.
The information on my credit report is not correct. How can I get this updated?
Simply send a copy of your credit report, along with the reason you believe this may be wrong, to creditfiles@pragroup.co.uk. We will review, amend where applicable and advise on our findings within 10 working days from the date of your email.
Can I stop a CCJ appearing on my credit file?
If you pay the balance of the account within 30 days of receiving the judgment, yes. Otherwise, it will be entered on your credit record at the Register of Judgments, Orders and Fines, and will remain there for six years. For more information you can seek free debt advice:
I have completed my insolvency (e.g. bankruptcy, individual voluntary arrangement (IVA), debt relief order (DRO), trust deed, debt arrangement scheme (DAS)). How will this show on my credit report?
Once your insolvency has been completed and we have received confirmation of this, your credit report will be updated. This will show as a “Partial Settlement” and the entry will remain for six years from the default date.
