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What is a credit report?
When you apply for credit, your credit history will be checked out before approving your application – and your credit card issuer will refer to one of the independent credit reference agencies.
How can I improve my credit rating?
If you are having trouble getting credit, there are a number of measures you can take to safeguard your credit rating. Here we have listed some helpful hints here to keep you in credit:
How do I make Cash withdrawals?
You can withdraw cash from any cash machine, just like you can withdraw cash from your own bank account.
How can I protect my Card repayments?
When you apply for a credit card, you will be offer payment protection insurance to pay via your credit card bill.
What is Sentinel® Card Protection Insurance?
Losing your credit cards or having them stolen can be a real inconvenience, not to mention a worry – especially if you’re abroad. The Sentinel® Card Protection scheme takes all the worry away, and with just one free phone call from anywhere in the world Sentinel® will immediately inform all your card issuers that you need replacement cards should they be lost or stolen.

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