Credit Report from all three BureausLoan report from all three offices
It can be ordered by mail or viewed on-line through the three major credit bureaus in the UK:
The report contains both personal and publicsector information that creditors use to determine whether or not to grant you credit. It is the accurate image that a creditor has when you are applying for a credit and play a pivotal part in credit checking. If you make a credit request, the creditor receives a copy of your credit record to verify your credit histories.
According to the Consumer Credit Act 1974 you have the right to apply for a copy of your credit card for £2 only, what information does it contain? The £2 report is a snapshot of your credit standing at the moment of writing. Contains information about your credit histories, both publicly and privately, for up to six years.
Be sure to review this information regularly just to make sure there are no bugs or if something is wrong. To make a change, you can directly go to one of the offices where you obtained the legal credit report. Which information is not contained in your report?
Bureaus are authorised to invoice £2 under the Data Protection Act 1998 for each enquiry. Fees cover the administrative cost of handling the enquiry and allow you to verify the status of your credit files. Everybody is eligible for a legal credit report in the amount of 2 pounds, which the credit bureaus are obligated to submit within 7 workingdays after the application.
We have already described a number of ways to enhance your creditworthiness in our Improvement Guideline. And if you want to know more about your credit rating, you can check out our 5 General Facts section.