Check my rights · Money, credit & banking

Credit-file default or arrears marker

Test the reporting against the actual account chronology rather than focusing only on the credit score impact.

Guided checkYour answers stay on this page2 minutes

Related guided checks

Does another part of the problem overlap?

Use a connected checker when the same facts also involve a second issue.

Debt or balance you say is wrongSeparate “I cannot pay” from “I do not owe this amount” and build the account chronology.Credit was unaffordableIdentify the lending pattern, the information available to the lender and the financial impact.Bank payment or scam disputeTake urgent protective steps, then identify whether the payment was unauthorised, induced by a scam or disputed for another reason.

Where has it reached?

Move to the next stage without losing the original issue.

They have repliedTest the reason, refusal or explanation they gave you.It remains unresolvedStructure, audit or escalate the complaint.You need outside reviewFind the correct ombudsman, regulator, appeal or court route.