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Your Credit Report Rights
Know the Facts
As a credit reference agency we collect public and credit data to produce credit reports and credit scores. These are then used by responsible lenders to make decisions about whether to give someone credit. But did you know you also have the right to access your personal credit information?
By law you have the right to request a Statutory Credit Report for £2. This is posted to you within 7 working days of receipt of your request and payment.
Your Statutory Rights Include the Right to:
- To receive a copy of your Statutory Credit Report within 7 working days of receipt of your request and payment
- Dispute inaccurate information on your credit file
- Have errors corrected within 28 days.
Under the Data Protection Act, Equifax is permitted by law to charge you £2 for each request you make for your Statutory Credit Report.
Equifax Credit Rating™
Alternatively you may want to think about applying for a copy of your Equifax Credit Rating™ which gives you instant access to your credit score and to your Equifax Credit Report conveniently online. The key factor most lenders use to rate a potential borrower is your credit score. So it makes sense to know your personal credit score and to understand how lenders see you based on this score before you apply for credit. Equifax Credit Rating™ gives you just this.
Equifax Credit Rating™ gives you instant online access to:
- An easy-to-understand explanation of your score and how lenders see you
- Score Performance Indicators that show how you rate in each category of information used to create your score
- Specific ways to improve your score and therefore your ability to obtain the credit you want at a favourable lending rate
- Access to additional help online and through our Customer Care team.
What is the difference between the Equifax Credit RatingT and a Statutory Credit Report?
The table below outlines the differences between the Statutory Credit Report and Equifax Credit Rating™ :
| Features | Equifax Credit Rating™ | Statutory Credit Report |
| Credit Score | You are given your credit score and an explanation to help you understand how lenders view your credit history. |
Not given |
| Ways to improve your credit score | Specific tips on how to improve your credit score as well as helpful links between your credit score and your credit report to help give you a clearer understanding of both. |
None given |
| Performance Indicators | Score Performance Indicators are given to show how you rate in each category of information used to create your overall credit score | Not given |
| Order information | £14.95 Click here for immediate access to your online Equifax Credit Rating™ More Info Order Now |
£2.00 More Info |
Ask a Question about your credit file Click here
Additional Contact Information
| Other Organisations | ||
| Information Commissioners Office (ICO) | Wycliffe House |
Enquiry/Information Line: Notification Line: Switchboard: |
| CIFAS | 6th Floor |
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| Registry Trust Limited | 153-157 Cleveland Street |
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The Office of Fair Trading |
Fleetbank House |
Tel: 08457 22 44 99 |
The Enforcement of Judgments Office |
7th Floor, Bedford |
Tel: 0289 024 5081 |
Insolvency Service |
21 Bloomsbury St |
Tel: 020 7291 6895 |
| Other Credit Agencies | ||
| Experian | Consumer Help Service |
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| Call Credit | Consumer Services Team |
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| Credit Counselling Services | ||
| Citizens Advice Bureau | You will find the telephone number and address of your local bureau in the telephone directory or visit http://www.nacab.org.uk/ and search the CAB directory for your local bureau. |
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| Consumer Credit Counselling Service (CCCS) | http://www.cccs.co.uk/ | 0800 138 1111 |
| National Debtline | http://www.nationaldebtline.co.uk/ | 0808 808 4000 |
| Money Advice association | For your local advice provider, email |
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