Following up from previous weeks

Your credit reports

The reports on your credit file (which you requested in Week Three) should have arrived by now from the credit reference agencies. If they haven’t, then contact them to complain, as they have to provide you with your report within seven working days of receiving your request and payment.

If the reports have arrived, use the accompanying leaflet to go through each report and check what each entry means. If everything seems OK, then breathe a sigh of relief and move on.

If there are adverse entries on your credit file, then follow these steps.

If you accept that all the adverse entries are accurate, then consult your local Citizens Advice Bureau or another suitable agency (see the ‘List of Contacts’ ...

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