Credit reporting covers how lenders and other organisations collect and use information about a person’s financial history, and how errors or unfair entries can be challenged. A solicitor practising in this area reviews credit files held by credit reference agencies, such as Experian, Equifax and TransUnion, and explains how entries affect borrowing. They draft and submit disputes, gather supporting documents, and liaise with agencies to correct inaccuracies, while advising on data rights and the consequences for future credit.
Where a solicitor protects your position
The specific entry or decision being challenged is time-bound by data protection rights and credit reporting rules; the solicitor’s role is to safeguard the client’s position by ensuring compliant handling, timely corrections and access to records through statutory mechanisms, including data subject access requests.
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