Obtaining your Credit Record

How to obtain your credit file:
You have the right to write to any of the credit reference agencies and ask for a copy of your credit reference file, which will cost you £2 (Statutory Credit Report).

Your letter should include:

• your full name -also any other names you have been known by e.g. your maiden name;
• your full address including postcode;
• any addresses where you have lived over the past six years;
• your date of birth; and
• a cheque or postal order for £2 made payable to the credit reference agency.

You should keep a copy of your letter and you may want to send it by recorded delivery. The credit reference agency has 7 working days to send you your file after receiving your letter and fee. Sometimes the credit reference agencies need more information from you before they can send you your file. For example, they may need proof of your name and address from a utility bill or bank statement. This is important to make sure that no one else gets your file by mistake or to check that no one else has fraudulently applied for your credit reference file. The agencies do not have to send you your file until they get this information.

The addresses of the credit reference agencies are:

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
0844 414 6073
www.equifax.co.uk

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
www.callcredit.co.uk

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0800 656 9000
www.experian.co.uk

Further information on Credit Reference Agencies can be found here: Credit Reference Agencies