How to obtain your credit file
You have a right to see what information and where information was obtained about you from any of the below. If you wish to become aware of this information then you will need to write and pay a small charge fee of £10.00 maximum. The firm have a duty to reply within 40 days of receiving the receipt of their fee.
You may also require the information contained on a credit reference agency file, you can do this by writing and paying a small fee of £2.00. The agency must respond within 7 working days. If your file contains details about other persons whom have no financial connection or it contains details which are simply incorrect then you can ask for the information to be corrected, removed or a note put on the file explaining why the information is wrong. The companies are obliged to keep all correct information on there systems.The Data Protection Commissioner provides a useful, easy to read leaflet that includes examples of letters and details that enable you to amend your file and how to request changes to your credit reference file.
You can get a copy of the free leaflet by writing to;
No Credit Leaflet,
POBOX 99,
Nelson,
BB9 8GS
Details also obtained at www.dataprotection.gov.uk
The main credit reference agencies are: -
Callcredit Plc,
Consumer services team,
PO BOX 491,
Leeds,
LS1 5XX
Experian Limited,
Consumer help service,
PO BOX 8000,
Nottingham,
NG1 5GX
Equfax Plc,
Credit file advice service,
PO BOX 3001,
Glasgow,
G81 2DT