Tuesday, January 24, 2006

How to Obtain your Credit Reference File

Each lender has an individual system for working out your credit risk. They use data from credit reference agencies. The main ones being Experian & Equifax

The agencies collect information from such as banks & building societies. They also add information on County Court Judgements (CCJs) and the electoral register. The different sources are combined to form individual credit reference files

You can obtain these files for £2 by contacting the 2 main agencies

Experian, PO Box 8000, Nottingham N61 5GX

Equifax, PO Box 3001, PO Box 3001, Glasgow

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