All About Loans Your Credit Report
Why You Need Your Credit Report....
When you apply for a loan or any type of finance, it is most likely that the lender will apply some form of 'credit scoring 'algorythm' to your application.
This usually involves running a credit check on your credit file through one of the main credit reference agencies. Your credit file contains information about all your other credit liabilities such as credit cards, loans, mortgage and bank accounts, along with payment histories and facts and figures on any unpaid bills, defaults, arrears and County Court Judgements.
Where to get your Credit File
There are two main Credit Reference Agencies in the UK.
Experian
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX
Tel: 0870 241 6212
www.experian.co.uk
Equifax plc
Credit Advice Centre
PO Box 1140
Bradford
BD1 5US
Tel: 08705 143 700
www.equifax.co.uk
To get your credit file, you need to write to each Company with a cheque made out to them for £2. They will not allow you to order your file over the telephone, nor will they discuss it with you. You will need to provide your full name, your date of birth, your current address and any previous addresses over the past 6 years.
One thing to bear in mind is that Credit Reference Agencies associate you with other members of your family with the same surname and address. Your Credit Score could be affected by this. You may ask the Credit Reference Agency for a 'Disassociation.'
FREE! - When you apply for a loan quote.
Get your Experian credit report online and a 30-day trial of CreditExpert, the UK′s premier credit monitoring service. If you have ever had trouble in the past getting credit, then you need to see this...
- Your Experian Credit Report Online
- Weekly credit report monitoring alerts warns against fraudulent activity
- Online access to a credit expert
- Manage your credit
- Protect your identity against fraudulent use
- and much, much more.
or call us FREE on
0800 061 2197
(Homeowners Only - Tenants please use form)
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