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How can our customers get their credit reference file?

They have the right to write to any of the credit reference agencies and ask for a copy of their credit reference file, which will cost them £2.

The letter should include:

  • Their full name;
  • any other names they have used or been known by in the last six years e.g. their maiden name;
  • their full address including postcode;
  • any other addresses they have lived at in the last six years;
  • their date of birth; and
  • a cheque or postal order for £2 made payable to the credit reference agency.

They should keep a copy of the letter and they may want to send it by recorded delivery. Unless the agency needs more information, they have seven working days from receiving the letter to provide them with a copy of their file.

Sometimes the credit reference agencies need more information from them before they can send their file. For example, they may need proof of the name and address from a utility bill or bank statement. This is important to make sure that no one else gets their file by mistake or to check that no one else has fraudulently applied for their credit reference file. The agencies do not have to send the file until they get this information.

The addresses of the credit reference agencies are:

 ..........................................................................................

Equifax Ltd

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

0844 335 0550

 ..........................................................................................

Callcredit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0870 060 1414

 ..........................................................................................

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

0844 481 8000

 ..........................................................................................

Source: https://ico.org.uk/for-the-public/credit/

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