Different lenders can choose which CRAs they wish to share their data with.
The major high-street lenders (Barclays, Lloyds etc) are likely to be sharing data with all three CRAs. Whereas smaller firms may only use one. Checking which CRA your lender is using is important when making an application, because you’ll want to make sure the details the CRA hold on you are up-to-date and correct.
If you feel there’s some credit data missing from your TotallyMoney Free Credit Report, you can ask the lender shares that information with TransUnion. It can take around 4–6 weeks for lenders to filter this through, so don’t worry if you notice accounts on your credit report that aren’t completely accurate. This is normal and your credit score is live, so this is always updated in accordance with the latest information.
Spotted an error regarding personal information? You’ll need to notify TransUnion by ‘raising a dispute’. Before doing this on your credit report, contact your lender directly confirming the information you believe to be wrong. This is because TransUnion will need to speak with the lender before being able to change the information. Should the lender disagree, they won’t be able to amend your credit report. Once you are happy to proceed, you can raise the dispute by clicking the ‘Raise a Dispute’ button at the bottom of the relevant section that you believe is wrong. TransUnion will then have 28 days to investigate.