Your credit report is provided to us by Experian (one of the main credit reporting bodies), who compile your report data based on the information from your credit providers (i.e. banks, lenders and utility companies).
This report is updated once a month with us, and so your report may contain information that’s up to 6 weeks out of date.
If you believe there's incorrect information that's more than 6 weeks out of date, you’ll need to contact the credit provider involved first.
Your credit provider will then investigate this for you and if they agree your information is incorrect, they’ll contact Experian to get this removed.
If your provider has amended the incorrect information on their side, but it’s still appearing incorrectly on your ClearScore report after 6 weeks, you'll need to contact Experian directly. We've made it really easy for you to do so here.
Experian will email you directly and they’ll have up to 30 days to resolve your dispute, once all the relevant information has been collected.
In the case the credit provider you’ve contacted doesn’t agree with your correction, they’ll need to provide you with reasons why.
If you’re still not satisfied with the decision, you can appeal this via the External Dispute Resolution scheme (EDR) or the Office of the Australian Information Commissioner (OAIC).