If you've seen a late payment reported on your Capitalise business credit profile. Capitalise does not have access to creditor details, we display information from Experian, including:
The date and age of the late payment
The fact that a late payment was reported
Experian does not share the name of the reporting creditor or supplier with Capitalise, so we cannot identify them for you.
Submit a Data Subject Access Request (DSAR)
Another method to identify the reporting entity is by submitting a Data Subject Access Request (DSAR) to Experian. A DSAR is a formal request that requires Experian to provide all personal data they hold about you, including the names of entities reporting accounts. This process is particularly useful if you need comprehensive information about your credit profile.
How to identify the reporting creditor
A company director must contact Experian Commercial Support to request this information:
đ Call: 0345 045 8081
Choose option 2
Let them know you're a Capitalise customer seeking details on a reported late payment. Experian will be able to tell you which creditor submitted the late payment data.
Alternatively, you can email the credit bureau directly to request the identity of the reporting entity. This can be a useful option if you prefer written communication or cannot make a phone call.
Next steps if you believe the late payment is incorrect
1. Review your credit profile
Note the date and age of the late payment shown in Capitalise.
2. Contact Experian
Ask for the name of the creditor who reported the late payment.
3. Engage the reporting creditor
Reach out to the creditor to clarify the situation.
Share supporting documents (e.g. proof of payment or agreement terms) if you believe it was reported in error.
4. File a dispute with Experian, if needed
If the creditor refuses to amend the record and you still believe it's incorrect, raise a formal dispute with Experian.
Experian has a process to review and resolve disputed entries.
Ensure your contact information is up-to-date when reaching out to Experian to avoid delays in receiving a response.
Be aware that response times for DSARs may vary depending on the credit bureau and jurisdiction.
Keep records of all correspondence with Experian for future reference.
Note: Capitalise cannot raise disputes or make changes to Experian data directly.