A Notice of Correction is a note that can be added to your report where for example, a default or IVA were as a result of a major incident in your life (losing your job, health problems etc).

Credit reference agencies are unable to remove data from your credit report if the data is accurate. However, a Notice of Correction provides you with an opportunity to explain to lenders why your credit history may be damaged.

You can raise a Notice of Correction with TransUnion by clicking here to contact them using their contact form. Please note that the Notice of Correction must not exceed 200 words and cannot refer to third parties by name, apportion blame or be deemed defamatory, frivolous, scandalous or un-punishable for any other reason.

If you choose to remove or amend a Notice of Correction, you can do so by contacting TransUnion: https://www.transunion.co.uk/consumer/consumer-enquiries

Notices of Correction will need to be added with each credit reference agency for it to show on each of your reports, so you should also contact Experian and Equifax.