Credit Bureau

UK Credit Repair - Credit Bureau Guide

Credit Bureau in the UK
You may find that you credit file is missing some data. This is because some of the credit bureaus also hold "hidden" information, and unless you ask for it, you will not get it. That said, things are improving of late with the introduction of online services by the major credit bureaus. Be aware that under the Limitations Act, the six years period when a debt can be annulled by law is taken from the last acknowledgment or admission or part-payment of the debt, as opposed to the six years used by the credit bureaus which is taken from the date of default. If you do not get a satisfactory response from the 3 major bureaus, then you can, under the data protection act take your case to the information commissioners office which oversees the data protection act that the major credit refernece agencies are required to follow.

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