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Your credit file
If you are experiencing problems when applying for mortgages or credit facilities then obtaining a copy of your credit file could be a good place to start.
This credit file will let you know what a potential lender
will see when they carry out a credit search.
It may be that an entry has been made which is incorrect or actually relates to
someone other than yourself. The credit reference agencies listed below will not
normally delete or amend credit records. They rely on the information passed to
them from financial institutions. The best place to start with a disputed item
is the finance house themselves.
Credit Reference Agencies
The two main credit reference agencies are Equifax and
Experian. For a cost of £2 you can obtain a copy of your credit file in
approximately 7-10 days. You will need to provide your full name and address
plus previous addresses over the last six years.
Equifax
Credit File Advice Centre
PO Box 1140
BRADFORD
BD1 5US
With MyEquifax from Equifax you can now receive a copy of your credit report and
rating online. Go to www.myequifax.co.uk
to find out more details and to apply online.
Experian
Experian Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX