Major high-street lenders (such as Barclays and Lloyds) are likely to share your account data with all three credit reference agencies. However, smaller lenders may only share your data with one.

Lenders are not required to update the credit reference agencies, so lenders may choose which credit reference agencies they want to share their data with.

If you feel there’s credit data missing from your TotallyMoney free credit report, you can speak with your lender directly and ask them to share your account information with all three of the credit reference agencies in the UK.

It can take around six weeks for lenders to update new information with the credit reference agencies, so don’t worry if you notice accounts on your credit report that aren’t completely up to date. This is normal and your credit score is live, so this is always updated based on the latest information that TransUnion hold.

Incorrect information in your credit report?

If there is incorrect information that you can see in your credit report, you can notify TransUnion by ‘raising a dispute’.

TransUnion will then contact your lender to investigate the dispute and, if the lender agrees with the dispute, TransUnion will amend your credit report.

It can take TransUnion around 28 days to complete the disputes process as this is the amount of time they need to allow for the lender to respond. Once this has been completed, TransUnion will email you directly with the outcome.

TransUnion are only able to amend the information in your credit report if they have authorisation from the lender. Should the lender disagree with the dispute, TransUnion won’t be able to amend your credit report.

For more information on disputes and how to raise them, please click here.