Under the Data Protection Act of 1998, Callcredit, Equifax and Experian are required by law to offer a statutory credit file, which is sent out in the post and takes around seven working days.
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There are five credit reference agencies in the UK; Callcredit, Dun & Bradstreet, Equifax, Experian and National Hunter.
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Callcredit, Equifax and Experian gain information about consumers’ credit records from various sources including banks, building societies and lenders that have granted the consumer credit.
Callcredit have introduced a service called Noddle which provides continued free access to the CallCredit report.