FAQs About Obtaining a Credit Report

Questions About Obtaining a Report:

  1. How do I obtain a copy of my credit report?
  2. How long will it take for me to receive my credit report?
  3. Does requesting a copy of my credit report cost me anything?

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Answers:

How do I obtain a copy of my credit report?

It’s easy to obtain a copy of your credit report. First, gather all your personal information, which will be used to confirm your identity. Contact one of the credit reference agencies – Experian, Equifax, or Call Credit – and request a copy of your report. You can either access the credit report online, or by post. If you prefer to receive your report by post, send a request to one of the following addresses:

  • Experian: Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF
  • Equifax: Credit File Advice Centre, P.O. Box 1140, Bradford, BD1 5US
  • Call Credit: Customer Care, PO Box 734, Leeds, LS1 9GX

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How long will it take for me to receive my credit report?

If you are requesting your credit report online, generally you will be able to see it immediately. Should you decide to request your credit report by post, you should receive your credit report by post within seven working days. There may be a slight delay, but if you have been waiting longer than ten working days you should contact the credit reference agency to assure they sent the report.

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Does requesting a copy of my credit report cost me anything?

Yes, but by law there is a fixed fee of only £2.

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