How do i obtain a copy of my credit report? I have tried before but they asked me for information about my credit cards that i have and exact amount of debt. What if i dont know this?
Well I certainly wouldn't be able to answer all those questions. I would have thought that as long as you can give the addresses you have lived at and your personal details that it would be enough.
Try writing to them and requesting a copy.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Which company are you trying to get the report from? I have looked at mine in the passed on creditexpert.co.uk and you can sign up for a 30 day free trial. You have to enter a credit/debit card as you will be billed after 30 days you can cancel it before then and not be billed.
If you just want to see the information such as registered addresses, loan repayments then I think this is free but if you want the actual credit score then you have to pay a small amount.
The site does ask you for information regarding your current credit. I was asked the amount of a loan I took out with company x in 2005.
I assume that you will only be asked questions about on-going loans or credit cards. I don't know if there is anything you can do if you can't answer the questions but you can always give them a call to see if there are other details you can confirm.
FYI - There are 3 credit agencies, Experian, Equifax and Callcredit. If you have been refused credit and want to see the information that is held about you with that agency then you should ask the company that refused the credit, which credit agency they used.
