What is in My Credit Report?
To put together your credit history the credit reference agencies get information from several sources, including the electoral register, County Court judgements, bankruptcy orders and other lenders – to check that you’ve kept up to date with other loan repayments. They will also be notified of information about house repossessions.
You can access your personal credit report from credit reference agencies like Equifax, Experian and CallCredit. They have websites that allow you to source your information online, quickly and easily.
Please note that you may be charged a fee for their services. A statutory credit report will cost you £2; other services may be higher. Simply contact the credit agencies to find out what information they hold on you by asking for a copy of your file. You can request your credit report by post or online and provide the following:
- £2 non-refundable fee
- Your name and address, including the postcode
- Addresses that you have lived at during the past six years
- If you apply by post it is advisable to send the request by recorded delivery.
Contact addresses for the three main agencies in the UK are:
Consumer Help Service
PO Box 8000
Consumer Advice Department
Consumer Response Centre
PO Box 3001
One Park Lane
How do I get incorrect information removed from my credit file?
The Data Protection Act 1998 gives you the right to have information on your credit file corrected or removed if it’s wrong (but not just because you don’t like it). The credit reference agencies will tell you how to do this.