If you think you have been refused credit unfairly, you can ask the lender to explain the main reason why and review their decision. Even if the lender reviews their decision, they may still turn you down. You can request a copy of your credit reference file from any of the three main consumer credit reference agencies in the UK.
How do I get my credit reference file?
You have the right to write to any of the credit reference agencies and ask for a copy of your credit reference file, which will cost you £2 although many of the agencies will waive this fee. Alternatively you can apply for your credit file online. The relevant website addresses are listed below.
If you write your letter should include:
your full name;
any other names you have used or been known by in the last six years eg your maiden name;
your full address including postcode;
any other addresses you have lived at in the last six years;
your date of birth; and
a cheque or postal order for £2 made payable to the credit reference agency.
You should keep a copy of your letter and you may want to send it by recorded delivery. Unless the agency needs more information, they have seven working days from receiving your letter to provide you with a copy of your file.
Sometimes the credit reference agencies need more information from you before they can send you your file. For example, they may need proof of your name and address from a utility bill or bank statement. This is important to make sure that no one else gets your file by mistake or to check that no one else has fraudulently applied for your credit reference file. The agencies do not have to send you your file until they get this information.
The addresses of the credit reference agencies are:
Equifax Ltd, Credit File Advice Centre, PO Box 1140, Bradford BD1 5US.
0844 335 0550
Callcredit Plc, Consumer Services Team, PO Box 491, Leeds LS3 1WZ
0870 060 1414
Experian Ltd, Customer Support Centre, PO Box 8000, Nottingham NG80 7WF
0844 481 8000