Background
David was refused a remortgage with a 47% loan-to-value. A full audit revealed six inaccuracies across Experian, Equifax and TransUnion.
The challenge
Inaccuracies included a mis-linked address to a former tenant with defaults, and a settled account showing as active in arrears.
Actions taken
- Full three-bureau audit and inaccuracy log
- Simultaneous disputes to all three bureaus
- Direct challenge to two lenders for reporting errors
- Confirmation of updates with written evidence
Outcome
All six errors corrected within 6 weeks. Experian score increased from 612 to 826. The remortgage was approved at a preferential rate.