Simply put, if the Information Commisioner thinks a company is in breach of the DPA they will force the company to remove the information from your credit file. I am assuming the so called Regulatory Action Division is responsible for seeing this is done.

All credit reference agencies have the right to charge you to obtain a credit report from them. The service you are referring to is Creditexpert and there is actually a 30 day free trial during which you can cancel the subscription and not pay a penny to look at the report. It is £6.99 each month thereafter until you cancel. Alternatively ...

This is the problem with taking out a debt to pay off other debts. With the credit crunch now lenders are making their criteria much more rigourous. All I can say is the more you reduce the outstanding balances on the cards the better your chances will be.

Use this sites smartsearch function to input your credit history. It will then give you loans that are suitable for someone with your credit history.

The trust deed does stay on your credit report 6 years from the date it started. I notice that you say the defaults will be removed in June. If you contact the lenders who entered the trust deed with a copy of your discharge certificate they should be able to update the default dates to January 2002 which would effectively remove the defaults ...

Of course you can apply for both cards at once as long as you realise your will incur a credit search for each application you make. Lenders don't take too kindly to too many credit searches undertaken in a short space of time however as it looks to them like you are being hungry for credit. It also doesn't make a difference whether it is ...

You are going to need to contact either Experian or Equifax to obtain a credit report to have a look at your own finances. I suggest you partner obtains one as well. If you are financially linked when you apply for credit in your own name, lenders can make a decision about you by looking at your partners credit history and vice versa. A financial ...

I had a Cahoot loan that I paid off in full last month and was in the same situation that you are in now. It was a flexible loan for £6000 and it started off in 2002 at an APR of 6.9%, however by the time it was cleared last November the APR was 14.9%. In short, Cahoot are allowed to change the APR without warning (they emailed me to let me ...

I think it should be part of the National Curriculum to advise school leavers how to manage their finances, invest and not live of credit. Some harsh life lessons could probably be avoided this way. It's probably just as vital as sex education is.

Hi there. To obtain an excellent credit rating you need to have a score between 961 and 999 points. Don't obsess over the score though, it is Experians own rating purely for your own reference. When you are actually credit checked lenders will use the report information plus any other details you've given them (age, employment details, ...