Credit History/Report
‘A record of an individual's past borrowing and repaying, including information about late payments and bankruptcy. A credit reference agency is a company that provides this credit information on individual borrowers.'
How to Obtain Your Credit File
You have a right to request your credit file under Section 7 of the Data protection Act 1998.
There may be a charge to request your credit file in writing, over the phone or online. However there is a possibility you may be able to request it free of charge.
Take a look below at the contact details of the 3 Credit Reference Agencies in the United Kingdom.
Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Tel: 0870 241 6212
www.experian.co.uk
Equifax PLC
PO Box 1140
Bradford
BD1 5US
Tel: 0870 514 3700
www.equifax.co.uk
Callcredit PLC
Consumer Services Dept
Park Row House
Leeds
LS1 5JF
Tel: 0113 244 1555
www.callcredit.co.uk
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