How do I find out what my credit score?
It’s a good idea to check your credit reports each year to find out how you’re being rated. It’s also a chance to make sure their records are up to date and that there have been no mistakes on your report, such as old addresses. It may be worth checking more than one of the three credit agencies as they calculate their scores differently, but it is not necessary to check more than one unless you think there is a problem.
Under the Consumer Credit Act, you have the right to obtain your full credit report at a cost of £2 per credit agency.
You can do this online, by post or telephone from:
CallCredit – 0870 060 1414
Consumer Services Team
PO Box 491
Equifax – 0844 335 0550
Equifax Credit File Advice Centre
PO Box 1140
Experian – 0800 013 88 88
Customer Support Centre
PO Box 9000