The third Credit reference agency is Call Credit (http://www.callcredit.plc.uk). They are rather minor compared to the other two, but it's worth checking as they seem to hold different info although technically all credit reference agencies share data.
You have to print and post this PDF (http://www.callcredit.plc.uk/corporate_static/pdf/creditfileapp.pdf) to request your statutory £2 credit file.
As to the statement above about failed credit applications - any search on your file is recorded, the result is not. However if there is a search by a finance provider, and no associated account, lenders often consider this as a failed application in their calculation. You may have just decided not to bother with their financial product after all.
Also check your associations (something I'm sorting re my ex atm) and if necessary issue a notice of disassociation - their credit rating also affects yours. Experian require the signature of both you and the other party. Equifax don't.
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The third agency
Date: 2005-08-09 04:51 pm (UTC)You have to print and post this PDF (http://www.callcredit.plc.uk/corporate_static/pdf/creditfileapp.pdf) to request your statutory £2 credit file.
As to the statement above about failed credit applications - any search on your file is recorded, the result is not. However if there is a search by a finance provider, and no associated account, lenders often consider this as a failed application in their calculation. You may have just decided not to bother with their financial product after all.
Also check your associations (something I'm sorting re my ex atm) and if necessary issue a notice of disassociation - their credit rating also affects yours. Experian require the signature of both you and the other party. Equifax don't.