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File Note

Definition of 'File Note'

A file note is a statement that you can add to your credit report, but as we will explain, it's not generally a good thing to do.

You have a right to add a note to your credit report if you wish. Most people don’t. These are usually written to explain the circumstances surrounding bad stuff such as adverse information on your credit report, or to record that you do not agree with the accuracy of something on your credit report.

We seriously doubt that lenders take any notice of them as they just flag up a past battle or a potentially tricky customer. They often read like excuses.

What's more, you'll have to remember to reapply to the credit reference agency to take the file note off at some time in the future, and if you don’t you’ll be flagging up a past issue that may no longer appear on your credit report.

So if you are looking to get your credit report looking the best it can to help you get credit, your best bet is never to put a file note on your credit report, and if you have, write to the credit reference agency to take it off.

Use the links below to locate the term you are looking for. If you can't locate it, please get in touch.

Credit Jargon Starting 'G'

Credit Jargon Starting 'I'

Credit Jargon Starting 'J'

Credit Jargon Starting 'L'

Credit Jargon Starting 'M'

Credit Jargon Starting 'S'

Credit Jargon Starting 'T'

Credit Jargon Starting 'V'

Credit Jargon Starting 'W'

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