Obtaining a credit report
If you have applied for credit, you have the right to know which agency is dealing with your application.
The lender must provide you with the name and address of any credit company they approach for your credit history and they should do this without you having to make a specific request. If they not give you the details, you can complain to your local trading standards or consumer advice department.
You can even have a look at your credit history without actually taking out a loan. 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 rating by post or online and you must provide the following:
- £2 non-refundable fee
- Rour name and address, including the postcode
- Addresses that you have lived at during the past six years
if you apply by post send the request by recorded delivery.
The three main agencies in the UK are:
Experian
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
www.experian.com (new window)
Equifax
Consumer Advice Department
Consumer Response Centre
PO Box 3001
Glasgow
G81 2DT
www.equifax.co.uk (new window)
Callcredit One Park Lane
Leeds
West Yorkshire
LS3 1EP
www.callcredit.co.uk (new window)
