Authoritative UK websites and guides we reference
These are the official UK resources we reference when building your CreditFix letter. Useful if you want to dig deeper into credit reference agencies, data rights, and disputing errors on your credit file.
Your right to get a free copy of your credit file from any credit reference agency.
Legislation.gov.uk - CCA s.159 - UK Parliament
Protects your personal data. Credit agencies must keep data accurate and you can request corrections.
Legislation.gov.uk - UK GDPR - UK Parliament
One of the UK's main credit reference agencies. You can dispute entries on your file.
experian.co.uk - Experian
Another major credit reference agency. You can request a free credit report and dispute errors.
equifax.co.uk - Equifax
Regulates data protection. If a credit agency breaches your data rights, complain to the ICO.
ico.org.uk - ICO
Free guidance on getting your credit report and disputing inaccuracies.
citizensadvice.org.uk - Citizens Advice
Free support on credit issues and rebuilding your credit score after errors.
stepchange.org - StepChange
Yes. Under Section 159 of the Consumer Credit Act, you can request a free copy from any credit agency like Experian or Equifax.
Contact the credit agency in writing with evidence. They have 28 days to investigate and correct or remove the entry.
Complain to the Financial Ombudsman or the ICO. You can also take them to court for breach of data protection rights.