Investigating potential inaccuracies on your credit report

Investigating potential inaccuracies on your credit report is easy

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Because inaccurate information can lower your credit score and may indicate fraudulent activity, it's best to dispute any potential inaccuracies as soon as you spot them.

Investigation When we receive your dispute request, we’ll contact the data provider or information source. That source has 40 days to investigate whether the information reported is accurate. If the data provider or source does not respond within the required timeframe, we’ll remove the information from your credit report. If the company that provided the information to us verifies the record, it’ll remain on your credit report. A summary reflecting the results of the investigation will be sent to you by mail after we complete our investigation.

Pending credit dispute When you have a credit dispute pending, we recommend that you wait to apply for credit. This will ensure that the most current credit report is available for a creditor or lender to review when making a credit-related decision.

Data correction Correct your credit data if it is inaccurate and to re-apply for credit from the credit provider concerned after the data is amended. If your credit application is rejected due to inaccurate data, the relevant credit provider should, upon your request, reconsider your credit application based upon the updated data. Find full details at the Office of the Privacy Commissioner for Personal Data, Hong Kong.

Your comments You may add a brief statement on your credit report to express yourself regarding a dispute over the data. We’ll include your statement in the credit report. Your comment will remain in the credit report until you notify us to delete it.

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