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Consumers can request to see the information held by credit reference agencies by applying directly to the credit reference agency for a copy of their credit report.
You can view your credit report online with Callcredit's consumer online service. For more details visit www.callcreditcheck.com
If you prefer, you can request a copy of your statutory credit report by post. Click here to complete the application form. Your credit report will be posted out to you within 7 days of receipt of your application form and statutory fee of £2, cheque or postal order.
Information held by a credit reference agency and displayed on a consumer credit report includes data available in the public domain such as Electoral Roll Information, Bankruptcies, Insolvencies and County Court Judgments. Most lenders also share some, or all of their customer data with credit reference agencies. A consumer credit report from a credit reference agency may also contain a consumer's present credit commitments and their credit history, plus any previous credit searches that have been conducted with the credit reference agency using your information.
A UK credit reference agency collates and stores financial and publicly available information about UK consumers. This information is then supplied by the credit reference agency to lenders and other relevant organisations to assist them in establishing an individual's identity, credit standing and ongoing credit commitments. The information provided by credit reference agencies helps lenders to make credit – granting decisions and prevent identity theft.
Callcredit and Callcredit check offer individuals comprehensive help and advice on credit reports and credit ratings. Click here for more information.
