Online credit files in the UK
The law states that whilst you cannot have too much say about how your credit file is compiled, you are certainly entitled to obtain a copy of it to read. And if it transpires that there are errors in your file, you are entitled to have them removed. Interestingly ... it is for you to prove your innocence, the agencies will only correct errors if you can prove that they are indeed errors. To get a copy you can either write to Experian and Equifax, or to speed things up you can order online.

Indeed, they were stubbornly slow to provide any online credit files, but both of the above two agencies do have websites. Experian will now allow you to order your credit file on line. Experian's order form can be found at http://www.experian.co.uk

After much pressure, Equifax followed suit offering a similar service and has finally adjusted to the online world. You can now order your credit report online and receive it over the internet. And not before time! The equifax online order page can be found at https://www.econsumer.equifax.co.uk/consumer/uk The cost is £8.25 and you need a credit card to make use of the service.

More about Credit Reference Files
Different lenders have different scoring techniques, but there are a number of factors that all of them use when deciding to grant you credit (or not!)

For more on how credit files are viewed by lenders and how to improve your credit file at Experian or Equifax, the Complete UK Credit Repair Guide provides valuable information to help you get credit and improve your credit rating. For details about the guide please click here