If I forget to add a debt in my application, can I add it at a later date?

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No you cannot add a debt at a later date which means if you forget to include a debt, that creditor will still be able to take action against you. You should always get a copy of your credit reference file before sending in your application to ensure that all debts are included. Your intermediary should be able to help you with this. The main credit reference agencies are Equifax, Callcredit and Experian.