Learning Centre

What is a Credit Report? | Checking Your Credit Report
Correcting Errors on Your Credit Report | Your Credit Report Rights

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	£2.00 More Info

Ask a Question about your credit file

Click here

Additional Contact Information

Other Organisations
Information Commissioners Office (ICO)	Wycliffe House Water Lane Wilmslow Cheshire SK95AF	Enquiry/Information Line: 01625 545 745 Notification Line: 01625 545 740 Switchboard: 01625 545 700 http://www.dataprotection.gov.uk/
CIFAS	6th Floor Lynton House 7-12 Tavistock Square London WC1H 9BQ	www.cifas.org.uk
Registry Trust Limited	153-157 Cleveland Street London W1T 6QW	www.trustonline.org.uk
The Office of Fair Trading	Fleetbank House 2-6 Salisbury Square London EC4Y 8JX	Tel: 08457 22 44 99 www.oft.gov.uk
The Enforcement of Judgments Office	7th Floor, Bedford House 16/22 Bedford Street Belfast BT2 7FD	Tel: 0289 024 5081 www.courtsni.gov.uk
Insolvency Service	21 Bloomsbury St London WC1B 3QW	Tel: 020 7291 6895 www.insolvency.gov.uk
Other Credit Agencies
Experian	Consumer Help Service PO Box 8000 Nottingham NG80 7WF
Call Credit	Consumer Services Team PO Box 491 Leeds LS3 1WZ
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.
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 office@m-a-a.org.uk

What is a Credit Report?
Checking Your Credit Report
Correcting Errors on Your Credit Report