The statutory report is a factual starting point
TransUnion UK offers a statutory credit report through its consumer service, with identity checks to protect access. Review the accounts and address history against your own records, especially after moving home or completing a repayment arrangement. An unfamiliar entry deserves investigation before another application is made. Checking a report is an information-gathering step, not a request for a new loan or confirmation that borrowing is suitable.
Resolve discrepancies alongside the underlying debt position
Keep a clear explanation and copies of documents when asking for an inaccurate entry to be corrected. The ICO’s credit guidance explains the broader data rights involved. A household that still relies on borrowing for essentials also needs a budget and debt review, even when reporting errors are fixed. Free advice can help distinguish a manageable future application from an attempt to cover continuing deficits with another credit facility.
