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CashBackCreditCards.co.uk::: Howto check your credit rating?



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How to check your credit rating in the UK.

There are two companies in the UK that you need to get in touch with. Different banks,cards, organisations use different companies so you really need to check both.

Equifax
You are entitled to apply for a copy of your credit file under Section 7 of the Data Protection Act 1998. There are a number of ways you can do this:

1. On-line - Using a Credit or Debit Card, for the fee of £2.00, you can apply online.

2. Post - Download a copy of our standard application form (you will need Acrobat Reader), complete it and sent it to Equifax.

3. Post - You may also write to Equifax, requesting a copy of your Credit File. Please ensure that you provide the following information:

Your full name, including title, forename, middle name and surname (and maiden name if appropriate)
Any other name you have been known by
Your date of birth
Your current address, including house number/name, street name, district, post town and postcode
Any previous addresses lived at during the last 6 years. List each address separately including house number/name, street name, district, post town and postcode
Please enclose a cheque or Postal Order payable to Equifax for the statutory fee of £2.00 and send your letter to:

Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Experian

Online, By Phone or by post
Order by post
Either:

1) Download, print and fill in the credit report application form or

2) Send a letter including your name, date of birth, address and any addresses where you have lived in the last six years.

Post to:
CHS Experian
PO Box 8000
Nottingham, NG1 5GX

Please include a postal order or cheque for £2 made payable to Experian Ltd.

 


These services are not free - but you get a printed report which explains everything you need to know about the information on your credit file.

These services both cost £2. But it could be the most useful £2 you've ever spent.



Why both? Different companies use different credit check - so you probably need to check both.


 



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