Consumer Bad Credit Guide

Welcome to the consumers guide to bad credit!

How to get a annual credit report in United Kingdom (UK)

If you have applied for credit, you have the right to know the name and address of any credit reference agency that was approached for details about you. The shop or loan company must tell you the name and address of any credit reference agency they approach without you having to ask. If they fail to tell you, you can complain to your local trading standards or consumer advice department (see under the entry for your local council in the phone book). You can see what information credit reference agencies have about you even if you have not applied for, or have been refused credit. You can write to them at any time and ask for a copy of your file.
If you do contact them, you must:
- send £2, which is not refundable
- give your name and address, including the postcode
- give addresses that you have lived at during the past six years.
You should send your request by recorded delivery and keep copies of the letter and any further correspondence. The large agencies keep information on almost every address in the country.
The main agencies are:
Experian
Consumer Help Service
PO Box 8000
Nottingham NG1 5GX
Equifax
Consumer Advice Department
Consumer Response Centre
PO Box 3001
Glasgow G81 2DT
The agency has seven working days from when it received your letter to send you the information on your file, or tell you it has no information about you. If it asks you for more details, the seven-day period starts from when it receives these.
If you think that any information the agency has sent you is wrong and that you are likely to suffer because it is wrong, you can ask it to correct the information. You cannot ask it to alter information that is correct.