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Some commercial agencies offer to "repair" your credit file for a fee by trying to remove information that is incorrect - remember that this is something you can do yourself through the credit reference agency.
pounds OVER one in four people plan to cut their Christmas spending by at least 50 per cent, according to credit reference agency Callcredit.
Credit reference agency Experian said 2,570 people had contacted its free Victims of Fraud service during the first six months of the year, 68% more than during the same period of 2006.
The warning comes from credit reference agency Experian which is emphasising the importance of making sure your name is on the electoral roll.
com, the UK's first internet-based credit reference agency, warn that the Consumer Credit Bill does not deal with longstanding issues, such as giving consumers the right to be told a reason for credit refusal.
The survey was carried out by credit reference agency MyCallcredit.
When a search is being done it will throw up everyone with your name in your locality, and often the credit reference agency will just see a name and may not bother to check any further.
The lender uses the information provided by the credit reference agency, together with the information given by the person applying for credit, to decide whether or not to grant credit.
Consumers need to know about this risk, as getting into mobile accounts isn't just about getting a phone," says Neil Munroe of credit reference agency Equifax.
Leeds-based Callcredit, a credit reference agency, gives lenders taking part in its over-indebtedness initiative (OII) information on which customers seem likely to be unable to meet their repayments.
James Jones, of credit reference agency Experian, says: "During an authorised payment break, late payments are not registered on your credit report, but if you fail to make contractual repayments without the lender's permission, they are likely to register late payments against your name which can store up bigger problems for later.
What they failed to realise was that the lender would find out when it checked their record using a credit reference agency.