The data held about you by credit reference agencies isn't always as accurate as we'd like it to be. Part of the process for improving your credit worthiness is requesting a free TransUnion credit report online. In fact, you'll need to verify the information in all three reports.
Each time we make an application for a loan, mortgage or credit card, a search is recorded with Experian, Equifax and TransUnion for a period of 24 months. Creditors are unable to distinguish between bad credit and bad data so the onus is on you to correct any problems.
