Dispute information on your Credit Report

Under UK law (Consumer Credit Act 1974), Noggin HQ must respond to a dispute or correction request within 28 days of receiving it. This includes informing you whether the information has been corrected, removed, or will remain unchanged. Some updates may take longer if lenders need to verify their records, but you will always receive a formal response within the statutory timeframe.

• Insights derived from Open Banking data, collected with your consent;
• Records of searches, including identity verification checks or other authorised searches made using your information;
• Bank transactions connecting to your credit score, which have been saved for data accuracy and audit purposes.

This report does not include your full bank transaction history.

You can view your Statutory Credit Report for free. Accessing it will not affect your credit score or any credit decisions.

To note: Your Noggin HQ Statutory Credit Report may not include all the same information as reports from Experian, Equifax or TransUnion. This is because not all organisations share the same data, and some lenders may report to different credit reference agencies. Your report also does not include:

• Full bank transaction data collected through Open Banking
• Internal lending decisions or credit scores created by lenders
• Notes or assessments made by individual organisations

Yes. We will ask you to provide some form of identification when requesting your Statutory Credit Report. This is to protect your personal information and ensure the credit report is only released to you.

Typically, this involves confirming details such as your full name, date of birth, current and previous addresses, and sometimes additional information. In some cases, you may also be asked to upload copies of ID documents if your identity can’t be verified electronically.

Providing ID helps prevent fraud and ensures your credit information remains secure.

Yes. We will ask you to provide some form of identification when requesting your Statutory Credit Report. This is to protect your personal information and ensure the credit report is only released to you.

You have the right to correct information we hold about you, under Section 159 of the Consumer Credit Act 1974 and the Data Protection Act 2018. If you’re unable to access your Statutory Credit Report online you are welcome to submit a Subject Access Request via email:support@nogginhq.co.uk, or or write to:

Noggin HQ ltd, Toffee Factory, Lower Steenbergs Yard, Newcastle upon Tyne, NE1 2DF.