What is a Password Notice of Correction (PNOC)?

A Password Notice of Correction (or PNOC) is a Notice of Correction containing a password that’s only known to you and the credit reference agencies. It can be added to your report by submitting a request with the credit reference agencies. Anyone submitting a credit application in your name will need the password to proceed with the application, otherwise it will be automatically rejected.

In most cases, we don't recommend adding a Notice of Correction to your report because it means credit applications have to be manually processed – which slows them down. But if you’re concerned about fraudulent activity on your credit file, this provides another level of protection. Unauthorised credit applications will be stopped as lenders will request your password.

We recommend that victims of fraud consider adding CIFAS Protective Registration to their report for further protection. Please see our guide here for more information on how to do this.

If you’re interested in adding a Password Notice of Correction to your credit report with the three credit reference agencies, please get in touch with your proposed password and we can request it on your behalf.

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