Fix your credit report with a Notice of Correction

Have you ever spotted something on your credit report that doesn't tell your whole story? A Notice of Correction might be just what you need! Let's explore how this simple tool can help explain bumps in your credit journey.

What is a Notice of Correction?

A Notice of Correction is a short statement you add to your credit report. It explains negative marks that don't show your typical borrowing habits. Adding one is free and won't hurt your credit score.

You can use a Notice of Correction when you:

• faced special challenges like losing your job
• went through illness that affected your finances
• want to explain the reason for a CCJ or IVA
• wish for a password to be required by lenders before offering you credit (to prevent identity fraud)
• do not want credit applications to be accepted if you’re struggling with gambling.

Lenders must read your Notice of Correction when checking your credit report.

How to write an effective Notice of Correction

Keep your notice brief — no more than 200 words. Stick to the facts and avoid emotional language.

You can write it yourself or get help from a solicitor or Citizens Advice.

You can add multiple notices if you need to explain different issues. For complete protection, consider adding your notice to all three of the main credit reference agencies: Equifax, Experian and TransUnion.

 

Notice of Correction template

If adding a notice for a missed payment due to job loss, an example could be:

"I missed my [March 2025] payment because I lost my job on [10^th February]. I found new employment on [15^th April] and immediately contacted my creditor to arrange payment."

When submitting it, include your:

• Full name
• Address
• Date of birth
• Signature
  
  

How to add a Notice of Correction 

Equifax

Add your notice online or mail it to: Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

You can check your Equifax report free on CredAbility.

Experian

Use Experian's online form or mail your notice to: Customer Support Centre, Experian Ltd, PO BOX 9000, Nottingham, NG80 7WF

TransUnion

Email your notice to [email protected] or mail it to: TransUnion UK, Consumer Services Team, PO Box 647, Unit 4, Hull, HU9 9QZ

What happens after submitting Notice of Correction?

The credit agency will check that your notice meets their rules. If it doesn't, they'll ask you to rewrite it. Once approved, your notice should appear on your report within six weeks.

How much does a Notice of Correction cost to add?

Nothing. It’s completely free to add with all three credit reference agencies.

How long does Notice of Correction stay on credit file?

Your notice stays on your credit file until you ask to remove it. If the associated credit mark drops off your report beforehand (usually within six years of it occurring), then the notice will also be removed at that point.

Keep building better credit

While waiting for your notice to appear, take action to boost your score:

• Update all your addresses
• Pay bills on time
• Reduce debt where possible
• Register on the electoral roll

Remember, a Notice of Correction doesn't guarantee credit approval. The best strategy is maintaining a healthy credit file overall.

Want to learn more? Discover what affects your credit score and find 45 ways to improve your rating in our ultimate score guide.