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I have already paid my debts, why is it still showing on my report?

If you believe your account information is incorrect, firstly, please note that your report is updated once a month, and information can be up to 60 days out of date.
 
If you have paid off an account, settled a debt or your payment history hasn’t updated for more than 60 days, you’ll need to raise a dispute with Experian (our partner credit bureau).
 
Before raising a dispute with Experian, you should contact the lenders directly first and request them to send the updated information to Experian. This is usually the best (and quickest) way to get information updated.
 
Once the lenders/creditors have sent the manual amendment request, it will take 5-10 business days for Experian to update their records. The changes will then reflect in your next month's credit report.
 
If you'd still like to contact Experian, you can do it  directly on 0117993403, or raise a dispute via our contact form. 
 
When raising a dispute with Experian, please make sure that you:
  • Raise the dispute with the email registered to your ClearScore account.
  • Outline the full details of your query.
  • Provide your ID number.
  • Attach any supporting documents.
Please be aware that Experian can take up to 20 business days to come to a resolution, though the process is usually much faster than that.

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