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Credit Reference Agency

Use this page to find out about credit agency addresses and example letters you could send to get the information you need about your credit file.

Addresses of two main agencies

The agency you contact may may ask for more details to help them find all the information they hold about you and, before sending the file out, to check that you are who you say you are. Otherwise they must send you your file within 7 working days from the receipt of your letter or tell you that they hold no information about you.

The two main agencies are:

Equifax Plc
Credit File Advice Service
P0 Box 3001
Glasgow
G81 2DT

Experian Limited
Consumer Help Service
P0 Box 8000
Nottingham
NG1 5GX

Example Letter Asking Your Loan Provider Which Agency They Use

123 Any Street
Anytown,A12 3BC
21 April 200-

Dear Loan Company

Data Protection Act 1998

Please tell me the name and address of any credit reference agency which you have asked to give information about me.I expect a reply within 7 working days of your getting this letter.

Yours Faithfully

Johnny Loan

Example Letter Asking For Your File From A Credit Reference Agency

123 Any Street
Anytown,A12 3BC
21 April 200-

Dear Credit Reference Agency

Under section 7 of the data protection act 1998 please send me a copy of my file containing the information which has an effect on my financial standing.I enclose a postal order/cheque for £2.

I lived at the above address for 3 years.Before that I lived at 123 High Street,Anytown,A43 5DE.

I expect a reply within 7 working days of recieving this letter.

Yours Faithfully

Johnny Loan