Errors & Disputes
A missed payment marker the bank caused itself
When a payment fails because of an error at the lender or the bank, the resulting marker is inaccurate and can be challenged.
Errors & Disputes
Wrong defaults, mistaken identity and how to get a file corrected.
21 articles · updated August 11, 2026 · page 2 of 2
Errors & Disputes
How long a dispute is allowed to take
Data correction processes usually run to statutory clocks, and knowing the deadlines changes how a stalled dispute is handled.
Errors & Disputes
The address on your file that was never yours
Files carry linked addresses, and an address you never lived at can drag another person financial history alongside your own.
Errors & Disputes
An arrangement to pay is being reported, and often wrongly
Agreeing to pay less than the contractual amount creates a specific file marker, and lenders frequently apply it incorrectly.
Errors & Disputes
A closed account still showing as open
An account you closed years ago can sit on your file as live, consuming assessed capacity and occasionally carrying a balance you…
Errors & Disputes
Disputing an entry when the lender no longer exists
Firms are wound up, merged and sold, and an incorrect entry from one of them still has to be corrected by somebody.
Errors & Disputes
Insolvency records that outstay their period
Public insolvency entries have defined lifespans, and entries occasionally persist past them or record the wrong dates entirely.
Errors & Disputes
Court records attached to the wrong person
Public judgment data is matched to individuals by name and address, and that matching goes wrong in entirely predictable ways.
Errors & Disputes
When the dispute fails and the entry was right
Most disputes that fail do so because the data was accurate, and there is still a useful set of moves left after that finding.