If you disagree with anything on your file, write and request it's changed. If the agency agrees with these or any other amendments it should quickly change your file though sometimes you'll need to talk to the company that originally filed the error.
Unfortunately sometimes they may refuse to amend your file. If this happens you're entitled to add your own comments to the file as a 'notice of correction'.
This will often mean your credit applications take longer, but it may help you to obtain better credit.
For further assistance contact our Advice and Support Centre.
