Hot Topics

What is credit scoring?: Most of the major credit card companies use their own credit scoring systems – normally but not always in conjunction with a credit rating from a credit reference agency.
Can I Have An Additional Cardholder On My Account?: You can have one or more additional Cardholders on your credit card account with most companies.
Can I use my card abroad?: Using a credit card abroad is an easy way to make purchases of any kind as it saves you from carrying large amounts of cash around.
Why is it worth making a Balance Transfer?: If you have a large outstanding balance on one or more credit and store cards – you will undoubtedly be able to save money by transferring your balance to another credit card.
My Credit Card is lost or stolen. What should I do?: If you cannot find your credit cards you need to report them as lost or stolen using the emergency number provided by your credit card issuer, this will be a 24 hour/365 days a year number. If you have more than one credit card you will need to ring all the separate companies.

How do I contact the Credit Reference Agencies?

You can request your credit report online, by phone or online. It costs £2 for a copy of your statutory credit report. Here are the details for the three main credit reference agencies.

To contact Experian:

Experian Limited,
Consumer Help Service,
PO Box 8000,
Nottingham,
NG1 5GX

Tel: 0870 241 6212
www.uk.experian.com

To contact Equifax:

Equifax Credit File Advice Centre
P.O. Box 1140
Bradford
BD1 5US

Tel: 0845 600 1772
www.equifax.co.uk

To contact Call Credit:

Consumer Services Team
Callcredit plc
PO Box 491
Leeds LS3 1WZ

Tel: 0113 244 1555
www.callcredit.plc.uk