From time-to-time there may be an error or discrepancy between the data you hold for a member and the data reported to Trans Union.

Often minor errors will be resolved the next time your core system generates a subsequent submission file.

But where the error cannot be resolved by the submission, for example the account was erroneously flagged as in arrears, you will need to access the account and effect a change via the SHARE Amend portal at TransUnion.

Within SHARE Amend you will search for the account to be corrected via the account number as reported to TransUnion. The account number will not be the same as the member number and will depend on the core system you use, but most core system providers create the account number using a combination of the member number and the loan number.

Once the record has been found in the SHARE Amend portal, you will be able to change details of the account such as the payment status and the outstanding balance at any given point in the loans history.

So you're performing a Credit Check in the assess page, everything is going and you've hit Assess. Only to realise on the results that you've misspelt the applicant's name or a colleague had already done the check!

Now there's a second check on a members file, or worse a check on a person who hasn't applied!
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Firstly, don't panic. You aren't the first person to do this and you won't be the last. These things happen from time to time and there are processes in place to quickly resolve such matters.
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To have a credit check record removed from someone's credit file, you need to contact the Client Service Desk at TransUnion and ask them to remove the search footprint on the consumers file.

You can contact the service desk via:

Phone: 0845 120 1222

Email: UKclientservicedesk@transunion.co.uk

Please CC: support@nestegg.ai

Or via the client service desk portal if you have access.

NestEgg cannot have a credit check removed/deleted. We facilitate performing and utilising credit checks but we cannot alter the data in any way and cannot make requests to the CRA regarding data on your behalf.

An individual may have made a dispute about the data TransUnion holds on them. Consumer disputes of this kind are quite rare and tend to stem from misunderstandings or impatience. For example we have heard of members raising a dispute with TransUnion because the amount outstanding on their credit file is higher than the amount outstanding on the Credit Union's app or website.

Obviously this is because the credit file data is older data, submitted some time ago, than the data available to the members today.

In any case TransUnion will investigate all disputes by first contacting the lender (you) and convey the claims made by the disputer. TransUnion will give you access to the disputes portal where you can review the claims made and respond to TransUnion.

In cases where the dispute is legitimate and correct, for example the consumer has been erroneously flagged as in arrears, then you can advise TransUnion that the consumer is correct and that you will amend the file via the SHARE Amend portal, mentioned above.

However, in most cases it will likely be a case of discussing and explaining the facts to bridge a gap in understanding.

One dispute often received is that there is a credit check in the name of NestEgg. In many cases we will deal with these disputes. But you may also receive one through the disputes panel.

NestEgg acts as a data processor. Because of this NestEgg appears as a footprint on the credit file. This is not NestEgg carrying out a credit application. NestEgg is processing the data from TransUnion and sending it to your version of the decision engine dashboard. However it is a legal requirement that any data processor be named on the footprint.

This footprint in the name of NestEgg is only visible to the data subject (i.e. the borrower). If the applicant is using Credit Karma or similar they will see NestEgg as the 'org' name and the lender as the 'unit name'.

Any applicant submitting a loan application should read your privacy policy. As part of the on-boarding of new clients NestEgg ensures that the privacy policy is updated to reflect this. Any applicant using NestEgg's decision workflow will have to check that they agree to this privacy policy before submitting an application. Any lender using their own online application process should do the same.

The privacy policy paragraph for Credit Reference Agencies in your privacy policy should read:

Credit referencing agencies

In order to process credit applications you make we will supply your personal information to credit reference agencies (CRAs) and they will give us information about you, such as about your financial history.

We do this to assess creditworthiness and product suitability, check your identity, manage your account, trace and recover debts and prevent criminal activity.

We will also continue to exchange information about you with CRAs on an ongoing basis, including about your settled accounts and any debts not fully repaid on time. CRAs will share your information with other organisations.

Your data will also be linked to the data of your spouse, any joint applicants or other financial associates. This may affect your ability to get credit.

The identities of the CRAs, and the ways in which they use and share personal information, are explained in more detail at:

They may retain information for up to 6 years after any credit agreement between us has ended. When we share this information all parties conform to industry standards.

When we check your account this leaves a footprint on your credit file.

[name] Credit Union Ltd uses a company called NestEgg Ltd to process this data on our behalf. NestEgg Ltd provides an automated ‘decision’ to help the Credit Union make it easy for members to apply for loans and savings accounts. NestEgg Ltd is not responsible for making decisions, they do not see your personal information. Their software makes a recommendation to a loans officer.

When you apply for a loan and / or savings account up to five searches may appear on your credit file. For the purposes of credit scoring, this will typically only affect your credit score as if one credit application were made.

Each of these five ‘footprints’ relate to the different sources of data being used to assess an application; these include the credit report itself and an affordability check. The Credit Union needs to prove the information belongs to you which is when an ID check is required. In cases where an application is made by a new member; the Credit Union will use an ID check and may also run a report to check ownership of any bank account details you may give us. These checks are required by law to prevent money laundering.

Some of these footprints will be in the name of NestEgg Ltd and others in the name of [name] Credit Union Ltd.

This is the standard response we suggest you use for any disputes about NestEgg footprints:

[name of] Credit Union uses NestEgg Ltd to process loan application data on its behalf. NestEgg Ltd provides an automated decision to help the Credit Union make it easy for members to apply for loans and savings accounts. NestEgg Ltd is not responsible for making decisions, not do we see your personal information. Our software makes a recommendation to a loans officer. This search was therefore authorised by you when you applied for a loan. This is fully described in the privacy policy on our website.