Credit Reports

Section 7 of the Data Protection Act 1998 provides individuals with the right to apply for a copy of the information held by credit reference agencies which relates to them.

I recently checked the information that credit reference agencies have on me and was surprised to find that most of them had created and maintained a financial connection between myself and my ex. It seems that unless you personally take steps to correct this, it could stay on your credit report ad-infinitum and affect your credit scoring.

It costs just £2 to request your personal credit report from each agency, so it’s well worth checking. Don’t be fooled into subscribing to their monitoring services, there isn’t any need as the statutory report will tell you everything you need to know.

The application forms can be difficult to find so I have included direct links below (please let me know if any of the links are broken).

The report should arrive within a week. You can remove a stale financial association or other erroneous data by contacting the agencies direct or submitting the relevant online form.

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