My Credit File.

Credit references agencies are companies that store financial information on almost every adult in the UK. This information is available to each individual if they require it. These credit agencies don’t make decisions about whether credit is given, they just supply information and lenders make their decision about whether credit is given or not.

Public information consists of information in the electoral register, county court information and bankruptcies. You should ensure that you are on the electoral register in order to obtain credit for anything in the future.
Credit reference agencies store credit information on behalf of lenders. Lenders share this information. This means that lenders can find out if you have repaid loans in the past. So should you apply for a new loan or credit, it helps your application if you have fully repaid any debts you’ve had in the past, otherwise you may find it more difficult to obtain a loan.
Should you wish to obtain a copy of your credit report, you can do so by contacting credit reference agencies, such as Equifax, Experian or Callcredit. You are required to pay a fee of £2 for your report.
Similarly, if you are worried that someone has stolen your identity or that your report may be incorrect, you should obtain a copy of your report straight away. Credit reference agencies can rectify genuine mistakes on your report.
You can contact Equifax by writing at Equifax Credit File Advice Centre,
P.O. Box 1140, Bradford, BD1 5US or via their website: www.equifax.co.uk, or by phone on 08705 143700.

You can contact Experian by writing at Experian Ltd, Consumer Help Service, P.O. Box 8000, Nottingham, NG80 7WF, or via their website at www.uk.experian.com, or by phone on 0870 241 6212.

You can contact Callcredit by writing at Callcredit PLC, Consumer Services Team, P.O. Box 491, Leeds, LS3 1WZ, or via their website at www.callcredit.plc.uk, or by phone on 0870 060 1414.