why should I want to see my credit reference
Your credit reference file is made up
of important information about you and,
by law, you are entitled to see it.
There are a number of reasons why people
ask to see their files:
If you have
applied for some sort of credit and
been turned down, you credit reference
file will help you understand why.
If this happens to you, you are entitled
to ask the company that turned you
down which credit reference agency
it based its decision on. This is
useful because some people find that
the information held on them by the
three main credit reference agencies
does vary slightly.
If you are thinking
of taking out a mortgage or applying
for credit, it can be both helpful
and reassuring to know what your credit
reference file says about you.
By knowing what
your credit reference file says about
you, you can start to take any necessary
steps to repair your financial record.
Why not have a look at the rest of
with debt section of this site?
held by credit reference agencies
can sometimes be wrong. By looking
at your file every now and then, you
can reassure yourself that companies
are basing their lending decisions
on the right information.
Click here to find
out what to do if you spot a mistake.