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Doing a credit assessment in the UK
While it is not absolutely necessary to do a credit assessment in the UK or elsewhere, it is a good thing to do so. Keep in mind a credit review will show your credit scores and credit histories information that will give you clues on any questions that are required to influence your capability to obtain individual loan, payday loan, short-term loan, mortgage, auto loan etc..
There are three major credit bureaus in the United Kingdom, namely CallCredit, Equifax and Experian. And there are many other references. However, it is important to work with these three agents because they are the most respected. If you want to do a credit assessment, you should also consider the fact that they do not all give the same rating.
A copy of your credit report can be obtained from one of the three major UK credit reference offices. It is possible to order on-line or off-line (by post). British nationals have the right to obtain full credit reports under the Consumer Credit Act. Each of the three major agencys is required to submit a free annual report to British people.
Individuals who are interested in receiving their report more than once under other credit refinancing schemes are obliged to make a payment as prescribed by the credit bureau concerned. The following is a list of information from the three most important credit bureaus in the UK, which is intended to help you obtain your credit report by mail or on-line; website: http://www.callcredit.co. uk/, telephone:
Customer Service Team, P.O. Box 491, Leeds, LS3 1WZ. 0844 335 0550, Equifax Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US. If you are performing a credit assessment on-line, you must provide your data to perform a credit assessment. As a rule, agents request that you provide your name, date of birth, e-mail and telephone number in order to provide your registration.
In addition, you should check and agree to the general business policy of the credit bureau concerned, acknowledge the information you have completed and then send your enquiry. Other information may also be necessary, such as your billing information, if you wish to make payments for other credit information.
As soon as you file, you should be able to get your credit report immediately. Report trouble? If you have a credit assessment issue, you can always turn to the agent. When your report has difficulties, you should report and table changes. It is important to remember that credit bureaus receive information from banks/lenders that you have worked with in the past so that any mistakes made by these bodies will be reflected in your credit report.
Incorrect credit reports can vary from something as small as a false credit card number, to deceptive activity and failed credit checks that you have actually made. However, you can have such issues reported and corrected so that your credit report shows the exact creditworthiness/information. Failures such as a standard payout you have actually made have a negative impact on your credit rating, so it is important to report any issues you find in your credit history as well.
Please contact the credit bureau or use the on-line mechanisms of the agent for error messages. The credit bureaus have 28 workingdays to address the concern expressed in the credit report. Usually this is the case so that creditors who come across your files can be warned not to depend on the particular information that is controversial.
You have the right to submit a notification of corrections, which should be added to your credit record, in the event that the agent does not change your record.