Obtaining your credit file from the CRA's for £2

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Joined: Sat Mar 17, 2007 8:32 pm
Location: United Kingdom

Post by TheMatrix » Fri Sep 03, 2010 6:55 pm
There are 3 credit reference agencies in the UK, and you can get your file by sending a postal order / cheque for £2 to each of them, you don't have to subscribe to their expensive monthly monitoring services. Although I've head some may join for the month and then cancel, if you do this I don't think they would let you have another free trial ;-(

These are the addresses for the CRA's to send your request to;

Equifax Plc
Credit File Advice Centre
PO Box 1140

Callcredit Limited
Consumer Services Team
PO Box 491

Experian Limited
Consumer Help Service
PO Box 8000
NG80 7WF

This is a sample letter for gaining your credit file under a Section 7 DPA request.

Dear Sirs,

I am writing under Section 158(1) of the Consumer Credit Act 1974 and Section 7 of the Data Protection Act 1998.

Please send me a copy of my credit file.

My full name is [YOUR FULL NAME], and my date of birth is [YOUR DOB]. I have lived at the above address for more than 6 years. [IF YOU'VE LIVED AT THIS ADDRESS LESS THAN 6 YEARS GIVE THEM THESE ADDRESSES TOO]

I enclose a cheque for £2.00 to cover your administration costs.

I request your reply within seven working days of receiving this letter.

Yours faithfully

Last edited by TheMatrix on Fri Sep 03, 2010 6:56 pm, edited 1 time in total.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
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