[John Smith]

As an individual and a consumer, you have rights to ensure that your files are fair and accurate. You can obtain a copy of your file and ask the credit reference agency or the lending institution to remove or correct wrong information. You can place your own explanation of your circumstances on your file so that lenders see the whole picture. Often people don't realise that a simple step might give them the right to remove or correct an entry. The credit reference agency will tell you if there is anything you could do. Lenders don't always act fairly in the way that resulted in an entry being made.

The credit reference agency will tell you if there are grounds for challenging the entry with the lender. Sometimes a simple step like putting yourself on the electoral roll makes all the difference. Utilise your rights to repair your own credit history.