Can I get a copy of my credit report?
Everyone is entitled to a copy of their credit report for a fee of £2. Because the information held by each of the three credit reference agencies might vary, it’s best to ask for a copy from each of them to get a full picture.
You may be able to get free access to your credit report. For example, Callcredit operate an online service called Noddle which allows you ongoing access to your credit file at no cost. The only drawback is that they advertise about credit cards or other financial products that they think you might like to apply for. Try to ignore these adverts.
Will my poor credit history affect other people?
Your credit history is based on you not your property. This means no one else will be affected by your credit history just because they live in the same house as you.
But if you’ve taken out any credit agreement in joint names with someone else your credit file will show a link or ‘association’ to them. This means your poor credit history may affect them and vice versa. This could apply to joint loans or bank accounts, or cases where someone else has acted a guarantor for you.
If you have any joint accounts included in your credit file but you no longer have any connection to the person involved, you can ask for your credit files to be ‘disassociated’. This removes the link between your credit file and theirs. You can only do this if the joint account has been paid off in full and you don’t live with the other person.
To apply for disassociation, you need to contact the credit reference agencies directly.