Statutory Rights

UK Credit Dispute Guides

Select a guide below to access free template letters and step-by-step audit procedures for UK accounts.

Core Dispute Primers

How to Remove County Court Judgments (CCJs) from Your Credit File
A complete legal guide to removing CCJs from the Register of Judgments and deleting them from Experian, Equifax, and TransUnion.
How to Remove Default Notices from Your UK Credit File
Learn how to legally challenge and delete negative default notices from Experian, Equifax, and TransUnion using the Consumer Credit Act 1974.

Mobile & Broadband Providers

How to Dispute a Late Payment with BT
Dispute and remove a late payment mark recorded by BT on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with EE
Dispute and remove a late payment mark recorded by EE on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with O2
Dispute and remove a late payment mark recorded by O2 on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Sky
Dispute and remove a late payment mark recorded by Sky on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with TalkTalk
Dispute and remove a late payment mark recorded by TalkTalk on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Three
Dispute and remove a late payment mark recorded by Three on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Virgin Media
Dispute and remove a late payment mark recorded by Virgin Media on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Vodafone
Dispute and remove a late payment mark recorded by Vodafone on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Remove a Default Notice from BT Credit File
Dispute and remove a negative default registered by BT on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from EE Credit File
Dispute and remove a negative default registered by EE on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from O2 Credit File
Dispute and remove a negative default registered by O2 on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from Sky Credit File
Dispute and remove a negative default registered by Sky on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from TalkTalk Credit File
Dispute and remove a negative default registered by TalkTalk on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from Three Credit File
Dispute and remove a negative default registered by Three on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from Virgin Media Credit File
Dispute and remove a negative default registered by Virgin Media on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.
How to Remove a Default Notice from Vodafone Credit File
Dispute and remove a negative default registered by Vodafone on your Experian, Equifax, or TransUnion credit report using UK consumer rights laws.

High Street Banks & Mortgages

How to Dispute a Late Payment with Barclays
Dispute and remove a late payment mark recorded by Barclays on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with HSBC
Dispute and remove a late payment mark recorded by HSBC on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Halifax
Dispute and remove a late payment mark recorded by Halifax on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Lloyds Bank
Dispute and remove a late payment mark recorded by Lloyds Bank on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with NatWest
Dispute and remove a late payment mark recorded by NatWest on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Nationwide
Dispute and remove a late payment mark recorded by Nationwide on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Royal Bank of Scotland
Dispute and remove a late payment mark recorded by Royal Bank of Scotland on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Santander
Dispute and remove a late payment mark recorded by Santander on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with TSB
Dispute and remove a late payment mark recorded by TSB on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Tesco Bank
Dispute and remove a late payment mark recorded by Tesco Bank on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Virgin Money
Dispute and remove a late payment mark recorded by Virgin Money on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Remove a County Court Judgment (CCJ) from Barclays
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Barclays on your credit file.
How to Remove a County Court Judgment (CCJ) from HSBC
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by HSBC on your credit file.
How to Remove a County Court Judgment (CCJ) from Halifax
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Halifax on your credit file.
How to Remove a County Court Judgment (CCJ) from Lloyds Bank
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Lloyds Bank on your credit file.
How to Remove a County Court Judgment (CCJ) from NatWest
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by NatWest on your credit file.
How to Remove a County Court Judgment (CCJ) from Nationwide
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Nationwide on your credit file.
How to Remove a County Court Judgment (CCJ) from Royal Bank of Scotland
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Royal Bank of Scotland on your credit file.
How to Remove a County Court Judgment (CCJ) from Santander
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Santander on your credit file.
How to Remove a County Court Judgment (CCJ) from TSB
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by TSB on your credit file.
How to Remove a County Court Judgment (CCJ) from Tesco Bank
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Tesco Bank on your credit file.
How to Remove a County Court Judgment (CCJ) from Virgin Money
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Virgin Money on your credit file.
How to Remove a Default Notice from Barclays Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Barclays using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from HSBC Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by HSBC using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Halifax Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Halifax using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Lloyds Bank Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Lloyds Bank using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from NatWest Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by NatWest using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Nationwide Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Nationwide using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Royal Bank of Scotland Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Royal Bank of Scotland using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Santander Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Santander using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from TSB Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by TSB using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Tesco Bank Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Tesco Bank using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Virgin Money Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Virgin Money using Section 77/78 CCA requests and FCA CONC guidelines.

Subprime & Digital Credit Cards

How to Dispute a Late Payment with Aqua
Dispute and remove a late payment mark recorded by Aqua on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Capital One
Dispute and remove a late payment mark recorded by Capital One on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Monzo
Dispute and remove a late payment mark recorded by Monzo on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Starling Bank
Dispute and remove a late payment mark recorded by Starling Bank on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Vanquis
Dispute and remove a late payment mark recorded by Vanquis on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Remove a County Court Judgment (CCJ) from Aqua
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Aqua on your credit file.
How to Remove a County Court Judgment (CCJ) from Capital One
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Capital One on your credit file.
How to Remove a County Court Judgment (CCJ) from Monzo
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Monzo on your credit file.
How to Remove a County Court Judgment (CCJ) from Starling Bank
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Starling Bank on your credit file.
How to Remove a County Court Judgment (CCJ) from Vanquis
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Vanquis on your credit file.
How to Remove a Default Notice from Aqua Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Aqua using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Capital One Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Capital One using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Monzo Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Monzo using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Starling Bank Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Starling Bank using Section 77/78 CCA requests and FCA CONC guidelines.
How to Remove a Default Notice from Vanquis Credit File
Dispute and remove a credit card, overdraft, or loan default recorded by Vanquis using Section 77/78 CCA requests and FCA CONC guidelines.

Catalogues & Store Accounts

How to Dispute a Late Payment with Clearpay
Dispute and remove a late payment mark recorded by Clearpay on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with JD Williams
Dispute and remove a late payment mark recorded by JD Williams on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Klarna
Dispute and remove a late payment mark recorded by Klarna on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Littlewoods
Dispute and remove a late payment mark recorded by Littlewoods on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Next Pay
Dispute and remove a late payment mark recorded by Next Pay on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Very
Dispute and remove a late payment mark recorded by Very on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Remove a County Court Judgment (CCJ) from Clearpay
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Clearpay on your credit file.
How to Remove a County Court Judgment (CCJ) from JD Williams
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by JD Williams on your credit file.
How to Remove a County Court Judgment (CCJ) from Klarna
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Klarna on your credit file.
How to Remove a County Court Judgment (CCJ) from Littlewoods
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Littlewoods on your credit file.
How to Remove a County Court Judgment (CCJ) from Next Pay
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Next Pay on your credit file.
How to Remove a County Court Judgment (CCJ) from Very
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Very on your credit file.
How to Remove a Default Notice from Clearpay Credit File
Dispute and remove a default registered by Clearpay catalogue or BNPL service using consumer rights loopholes and credit agreements audit.
How to Remove a Default Notice from JD Williams Credit File
Dispute and remove a default registered by JD Williams catalogue or BNPL service using consumer rights loopholes and credit agreements audit.
How to Remove a Default Notice from Klarna Credit File
Dispute and remove a default registered by Klarna catalogue or BNPL service using consumer rights loopholes and credit agreements audit.
How to Remove a Default Notice from Littlewoods Credit File
Dispute and remove a default registered by Littlewoods catalogue or BNPL service using consumer rights loopholes and credit agreements audit.
How to Remove a Default Notice from Next Pay Credit File
Dispute and remove a default registered by Next Pay catalogue or BNPL service using consumer rights loopholes and credit agreements audit.
How to Remove a Default Notice from Very Credit File
Dispute and remove a default registered by Very catalogue or BNPL service using consumer rights loopholes and credit agreements audit.

Debt Collection Agencies

How to Dispute a Late Payment with Apex
Dispute and remove a late payment mark recorded by Apex on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Cabot Financial
Dispute and remove a late payment mark recorded by Cabot Financial on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Intrum
Dispute and remove a late payment mark recorded by Intrum on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Link Financial
Dispute and remove a late payment mark recorded by Link Financial on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Lowell
Dispute and remove a late payment mark recorded by Lowell on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Moorcroft
Dispute and remove a late payment mark recorded by Moorcroft on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with PRA Group
Dispute and remove a late payment mark recorded by PRA Group on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Dispute a Late Payment with Wescot
Dispute and remove a late payment mark recorded by Wescot on Experian, Equifax, or TransUnion credit files using goodwill letters and regulatory rules.
How to Remove a County Court Judgment (CCJ) from Apex
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Apex on your credit file.
How to Remove a County Court Judgment (CCJ) from Cabot Financial
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Cabot Financial on your credit file.
How to Remove a County Court Judgment (CCJ) from Intrum
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Intrum on your credit file.
How to Remove a County Court Judgment (CCJ) from Link Financial
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Link Financial on your credit file.
How to Remove a County Court Judgment (CCJ) from Lowell
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Lowell on your credit file.
How to Remove a County Court Judgment (CCJ) from Moorcroft
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Moorcroft on your credit file.
How to Remove a County Court Judgment (CCJ) from PRA Group
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by PRA Group on your credit file.
How to Remove a County Court Judgment (CCJ) from Wescot
Learn how to legally set aside, satisfy, and remove a County Court Judgment (CCJ) registered by Wescot on your credit file.
How to Remove a Default Notice from Apex Credit File
Dispute and remove a purchased debt default notice recorded by Apex using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Cabot Financial Credit File
Dispute and remove a purchased debt default notice recorded by Cabot Financial using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Intrum Credit File
Dispute and remove a purchased debt default notice recorded by Intrum using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Link Financial Credit File
Dispute and remove a purchased debt default notice recorded by Link Financial using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Lowell Credit File
Dispute and remove a purchased debt default notice recorded by Lowell using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Moorcroft Credit File
Dispute and remove a purchased debt default notice recorded by Moorcroft using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from PRA Group Credit File
Dispute and remove a purchased debt default notice recorded by PRA Group using Notice of Assignment audits and CCA Section 77/78 requests.
How to Remove a Default Notice from Wescot Credit File
Dispute and remove a purchased debt default notice recorded by Wescot using Notice of Assignment audits and CCA Section 77/78 requests.