Getting a Copy of Your Credit File

If you are planning to take out a new credit agreement, it is always useful to get a snapshot of your credit file at that time. Studying your credit file will highlight any potential problems with your credit history and reasons why a new lender might reject your application.
 
There are a number of organisations in the UK who compiled information about your credit history. However, the three main credit reference agencies are called Equifax, Experian and Callcredit.

Which Service to Choose

Over the past couple of years, the main credit reference agencies have expanded their business activities to provide a range of services such as on-line monthly credit report updates.

However, to get a snapshot copy of your file it is NOT necessary to pay for these services. By law these companies must provide you a report of the information they hold about you when this is requested. If all you want to do is simply check your credit file for issues before applying for new credit, then the £2 written report will be all you need.

To receive a copy of your statutory report through the post the easiest method is to request it from either Equifax, Experian or Callcredit. The relevant web site addresses you will need can be found in the "Useful Links" box below.

Apply on-line

The fastest way to get your report is to apply on-line (follow the links below). However, you will need to make your £2 payment either with a debit or credit card. Before the process can be completed, you will also need to prove your identity. To do this, you will need to e-mail or fax a copy of the following documents:

One Statement - Dated within the last eight weeks, addressed to you at your current address. Documents accepted are Utility Bills or Bank Statements.

One Photo ID -  One copy of a photo ID, Drivers Licence or Passport

Apply by post

If you do not have a debit or credit card, you can apply for a copy of your file by post. You will need to complete either an Equifax or Experian application form (see useful documents box above). Once completed, this form should be posted to the relevant agency with a cheque or postal order for £2.

What to do next

Once you have received a copy of your credit file, you will need to understand what it says.