Definition
A consumer can ask a credit reference agency to add a notice explaining the context of information on the file. It does not remove accurate negative information or guarantee that a lender will accept the explanation, and it can cause an application to require manual review.
Practical example
A notice might explain the circumstances behind a disputed or exceptional missed payment while the underlying entry remains visible.
Why it matters
Correct inaccurate data through the proper dispute process rather than using a notice as a substitute for correction.
Bad-credit mortgage guideSource and review
Reviewed 16 July 2026. Product criteria and rules can change.
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