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What can I do if I think information held by a credit reference agency on me is incorrect?
If you have been turned down for a loan and you cannot see any reason why, then you can contact the credit reference agency to see your personal credit report.
Hot Topics
- 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.
- What APR (Annual Percentage Rate) will I receive?
- APR is the Interest Rate charged to your account on any balances not paid off by the date shown on your statement each month - meaning that if you pay your balance off in full every month you will never need to pay interest on your purchases.
- How can I pay off my balance?
- There are number of ways you can choose to pay off your credit card balance - either by Direct Debit, by Debit Card over the phone, by bank transfer from your bank or by cheque.
- 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.
- What is the new Chip and Pin system?
- The new Chip and PIN initiative is a system being introduced in the UK in 2004 to reduce counterfeit and stolen card fraud.
If you find that there is incorrect information on your credit report, you can either contact your lender and they will investigate the changes and notify the credit agency, or you can contact the credit agency and they will contact the loan provider. If the information is incorrect because you only recently paid an account, the company can take up to a month to amend their records and, in turn, your report (via the credit reference agencies).
It will not cost anything for your incorrect records to be updated, and once these changes to your credit record have been made you will be able to apply for a loan again without any troubles.
- Will I have to pay interest each month ?
- How much will I have to pay each month ?
- What can I do if I think the information held by a credit reference agency is incorrect ?
- How do i contact the credit reference agencies ?
- Can I have an additional card holder on my account ?
- What apr will I receive ?
- How can I pay off my balance ?
- Can I use my card abroad?
- How much can I Balance Transfer and how long does it take?
- I Have Been Turned Down For A Loan Or Credit Card, Will I Still Be Able To Get A Mortgage?
- What happens if i apply online ?
- What is direct debit ?
- Where can i pay my balance ?
- Why do i need credit ?




