Faq

hur575

There are some questions that are asked a lot here, so I made an attempt of faq list please add to the list.

What is a credit reference agency?

Credit reference agencies are organisations that collect and store financial and publicly available information about almost every adult in the UK.

Who are the credit reference agencies

These are the three credit reference agencies in the UK, each will let you request your credit file online or by post, usually for a fee.

Callcredit Ltd
Experian
Equifax

Is my address blacklisted? I have recently bought a property and the old occupiers have a lot of debt collection notices and I have no forwarding address , where can I look to see if my address is on the black list??

There is no such thing as a credit blacklist. It is the individual who has the credit report and not the address.


Debt free Legal Loophole In 1974 Consumer Credit Act, can my debt be wiped out?

There are a lot of claims management companies charging up front fees to do it for you. Whatever the case, where you have to pay up-front fees, never do, it's most likely to be a scam!

KeithBerrisford

Is it possible for anyone from Joe public using their own credit card to access my personal information and credit rating from Experian or the like

Robert_Sterling_3

In any case if it was possible it would be sent to your address. :j :j :j

hur575

Robert_Sterling wrote: »

In any case if it was possible it would be sent to your address. :j :j :j

ok Iam confused about this, here is an answer from experian, that others can see some information.
http://www.thisismoney.co.uk/ask-an-expert/loans/article.html?in_article_id=441253&in_page_id=110

Paul_Herring

People don't bother using the search function on the boards - do you really think they'll bother to read a FAQ?

PROLIANT

Q. Do I have to pay my bill after I have spent my line of credit?

A. Yes you do.