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Getting your credit report

Everyone has a credit report (credit file) which is held by the main credit agencies in the UK.

Your credit report contains comprehensive information on your financial background and arrangements going back six years.

‘How to check your credit report’

When you apply for credit the credit provider runs a ‘search’ on your credit report to help them establish if you are a suitable applicant.

If you intend to apply for a mortgage, it is important that you check your credit report to see if there are any problems recorded on it that may be of concern to a mortgage lender.

It is your right to access a copy of your credit report although the credit reference agency can charge you £2 to provide you with a copy of your ‘statutory credit report’.

Main UK credit reference agencies

get your credit report through one of the following

Experian – Credit Expert

You should use the Credit Expert service if you need the credit report quickly – get it for free using the 30 day trial link

Consumer Help Service
P O Box 8000
NG80 7WF
tel: 0844 481 8000

Equifax plc

Credit File Advice Centre
PO Box 1140
tel: 0870 010 0583 (for enquiries once you have your credit reference file)

obtain your credit report from Equifax
You should use the free credit report service if you need the credit report quickly

Callcredit Limited

Consumer Services Team
PO Box 491
tel: 0870 060 1414

obtain your statutory credit report from Callcredit

Credit references agencies are commercial organisations and as such offer you supplementary credit related services at additional cost. You therefore have a choice when you contact them to either request your statutory credit report or subscribe to their credit reporting service.

The main credit reference agencies offer free trials of their credit reporting services and these mean you can often access your credit report on line immediately (a provider has a 7 working day window to provide you with a copy of your statutory credit report).

If you have any problem with the way a credit reference agency or credit provider is behaving in relation to your credit report you can take this up with the Information Commissioners Office.

Information Commissioner’s Office
Wycliffe House
Water Lane
tel: 0303 123 1113.

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