Your Credit Rating
Credit reference agencies such as Experian and Equifax collate information on an applicant's financial position from the electoral roll, county court judgements, bankruptcy details, payment record in previous agreements etc. The payment record may include details of other people living at the same address and their record may affect whether or not the applicant is given credit. If you have had your application for credit refused because of information on a credit reference agency's records you can ask the creditor which credit reference agency it used.
You can get a copy of your own credit reference by writing to these two companies with details of your address/es for the last six years enclosing a cheque for £2. Included with your credit file will be details of how it can be amended if the information is incorrect. Each piece of credit information remains on your file for 6 years.
- Experian Ltd, Consumer Help Service, PO Box 8000, Nottingham, NG1 5GX Tel: 0115 976 8747
- Equifax Europe (UK) Ltd, Equifax PLC, PO Box 1140, Bradford, BD1 5US
You can also view your Experian credit report online for FREE, click here







