Checking Your Credit File

Your credit file contains extensive information that could make or break you when you are attempting to finance something, get yourself a credit card or a personal loan, if you've never tested yours, now is a good time to do this. To test your credit file, you'll have to individually (even though you're a married person) write for the two major credit reporting businesses, Experian and Equifax, seeking your credit file. Things you will need to offer include any address you've lived at within the past six years, together with 2.00 in the form of a postal order or an individual cheque, to each credit rating company.

For Experian, you are able to reach them at the following address: P.O. Dig up extra info on http://www.nickvassilev.com by navigating to our impressive essay. Package 8000 Nottingham, NG1 5GX. You make your check or postal order payable to: Experian. In addition, you also have the capability to download an ap-plication form at their website http://www.uk.experian.com/consumer/ (you should have Acrobat Reader by Adobe to view this form). You may also get your credit history online at http://www.uk.experian.com/consumer/ or by telephone at 0870 241 6212.

For Equifax, it is possible to reach them at the following address: P.O. Box 1140 Bradford, BD1 5US. You make your cheque or postal order payable to: Equifax. In addition, you also have the capacity to down load an application form at their website http://www.equifax.co.uk/equifax/consumer/ (you should have Acrobat Reader by Adobe to see this form). You may also order your credit report online at http://www.equifax.co.uk/equifax/consumer/.

You should obtain the data in around week or two, after you've applied to get your credit file. Your credit file will come with certain key aspects will be explained by an extremely helpful booklet, which to you including, what you should do if you notice any problems within the file and what you should try to find. There are numerous things you can do to fix your credit, first if you notice any information that's inadequate and wrong you should seek to contact the credit organization, change it instantly and request the information be corrected. This agency has twenty-eight days to answer, if you do not feel the response is acceptable you've the right to fight it even more by writing work of Fair Trading.

Again, every creditors looks at your credit file with intense scrutiny. It will be examined by them for just about any defaults or County Court Judgments. When applying for any type of credit that you are conscious of what's contained within these documents, it is only fair since they will be taking a look at it as well It's important.