{"id":169,"date":"2009-03-01T16:57:05","date_gmt":"2009-03-01T16:57:05","guid":{"rendered":"https:\/\/www.bishnet.net\/tim\/blog\/?p=169"},"modified":"2010-11-11T13:01:24","modified_gmt":"2010-11-11T13:01:24","slug":"statutory-credit-reports-2009","status":"publish","type":"post","link":"https:\/\/www.bishnet.net\/tim\/blog\/2009\/03\/01\/statutory-credit-reports-2009\/","title":{"rendered":"Statutory Credit Reports 2009"},"content":{"rendered":"<p>A couple of years ago I wrote about <a href=\"https:\/\/www.bishnet.net\/tim\/blog\/2007\/03\/21\/statutory-credit-reports\/\">my first experience getting statutory credit reports<\/a>. At the time I said I&#8217;d do them on a bi-yearly basis, so a week ago I decided to do them again.<\/p>\n<p>The process is the same as before. The credit referencing agencies, <a href=\"http:\/\/www.experian.co.uk\/\">Experian<\/a>, <a href=\"http:\/\/www.equifax.co.uk\/\">Equifax<\/a> and <a href=\"http:\/\/www.callcredit.co.uk\/\">Callcredit<\/a>, have a statutory obligation to provide you with your credit report. They are allowed to charge a \u00c2\u00a32 fee, which I presume is to cover the admin cost of producing the report. The process isn&#8217;t as easy as it could be &#8211; all three agencies have premium services which provide analysis of the report, so they&#8217;d prefer you did that instead. Consequently, it can take a few minutes to find out how to request the statutory one.<\/p>\n<p>So to make life easier here are the current links as of February 2009:<\/p>\n<ul>\n<li>Experian: <a href=\"http:\/\/www.experian.co.uk\/consumer\/orderPaperReport.html\">Details<\/a> and <a href=\"http:\/\/www.wiseconsumer.uk.experian.com\/\">order form<\/a>.<\/li>\n<li>Equifax: <a href=\"http:\/\/www.equifax.co.uk\/Products\/credit\/statutory-report.html\">Details<\/a> and <a href=\"https:\/\/www.econsumer.equifax.co.uk\/consumer\/uk\/gb_consumerletter.ehtml\">order form<\/a>.<\/li>\n<li>Callcredit: <a href=\"http:\/\/www.callcredit.co.uk\/credit-reference.aspx\">Details<\/a> and <a href=\"http:\/\/www.callcredit.co.uk\/files\/creditfile_app.pdf\">order form<\/a> (PDF &#8211; you need to print and send it by post!).<\/li>\n<\/ul>\n<p>Why would you want to do this? There are a few reasons I can think of:<\/p>\n<ol>\n<li>You&#8217;re about to apply for credit, or have recently been refused credit, and want to check the information the credit issuer has access to.<\/li>\n<li>You&#8217;re concerned about identity theft and want to make sure there&#8217;s no credit in your name that you don&#8217;t know about.<\/li>\n<li>You just want to check that the information held about you is correct.<\/li>\n<\/ol>\n<p>I fall in to the last category. Thankfully all was in order this year &#8211; the only surprise was that I was already linked to my wife&#8217;s credit report. It turns out applying for a joint bank account creates an association between you &#8211; that was news to me! Fortunately we both have good credit histories.<\/p>\n<p>As a closing comment I&#8217;d like to remind readers that the data they hold about you is yours, and you have a right to see it. Financial institutions would have you believe this is their data and that it&#8217;s for their eyes only, but don&#8217;t be fooled. It&#8217;s well worth the \u00c2\u00a36 to find out exactly what they&#8217;re looking at when you apply for credit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The UK credit referencing agencies provide statutory credit reports for just \u00c2\u00a32 each. This post looks at how to go about getting them and why you&#8217;d want to do so.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[66],"tags":[73,69,70,68,72,71,67],"class_list":["post-169","post","type-post","status-publish","format-standard","hentry","category-finance","tag-callcredit","tag-credit-record","tag-credit-referencing-agency","tag-credit-report","tag-equifax","tag-experian","tag-statutory-credit-report"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/posts\/169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/comments?post=169"}],"version-history":[{"count":20,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/posts\/169\/revisions"}],"predecessor-version":[{"id":331,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/posts\/169\/revisions\/331"}],"wp:attachment":[{"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/media?parent=169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/categories?post=169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bishnet.net\/tim\/blog\/wp-json\/wp\/v2\/tags?post=169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}