These days, the contents of your credit report can affect your quality of life – from whether you can rent a flat, find a job, or obtain financing for a car, home, or personal loan. With your credit score representing you so often, it’s important to know how to read your credit report, and spot [...]
FAQs About Obtaining a Credit Report
Questions About Obtaining a Report:
- How do I obtain a copy of my credit report?
- How long will it take for me to receive my credit report?
- Does requesting a copy of my credit report cost me anything?
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
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.
Yes, but by law there is a fixed fee of only Â£2.