Also, if you believe that your credit file contains inaccurate or out-of-date information, you can ask the credit reference agency
to amend it.
The National Federation of Builders research, titled The Use of Credit Reference Agency
Reports in Local Government Procurement, set out to determine to what extent the 288 local authorities which responded to the survey were using credit reports to form the basis of a judgment and the results confirmed what many assumed - these reports are being relied on far too much.
Credit reference agency
Experian warned that the problem of people missing payments appears to be on the increase - which will drag down their ability to borrow more cash in the future.
Credit reference agency
Experian said seven out of every 10,000 personal loan applications made during the third quarter were fraudulent, 57 per cent up on last year.
The figures were revealed in a study by credit reference agency
Experian which says an individual's debts have risen by more than pounds 2,000 in the past year.
AN online credit reference agency
launched by a North Wales man aims to allow small businesses to share information on bad debtors and avoid customers unlikely to pay.
Work by credit reference agency
Experian suggests there are regional 'hotspots' of bankruptcy and Individual Voluntary Arrangements.
Wayne Davies, head of commercial products at credit reference agency
Equifax, which has conducted research in this area, admits that he's mystified.
The person should write to the credit reference agency
asking for a copy of any information held about her/him.
3Your 3 Your right to access your credit file IF you have been turned down for a credit agreement, you have the right, under sections 157-159 of the Act, to request that the creditor provides you with details right to access your credit file IF you have been turned down for a credit agreement, you have the right, under sections 157-159 of the Act, to request that the creditor provides you with details of the credit reference agency
they used to access your credit file.
They do this by checking your credit record with a credit reference agency
This is held securely by a credit reference agency
- Experian is the UK's largest.
The rise was driven by an increase in people lying on application forms in a bid to get around the strict lending criteria now employed by banks and building societies, according to credit reference agency
Neil Munroe, a director of credit reference agency
Equifax, said: "Many people, particularly the younger generations such as students, aren't aware that not being on the electoral roll at their current address can affect their score.
"Consumers need to know about this risk, as getting into mobile accounts isn't just about getting a phone," says Neil Munroe of credit reference agency