If you have been refused credit you should ask the lender which credit reference agency was consulted and whether the credit reference agency's information was the reason for the decision.
You can contact this agency and ask for a copy of your credit file under the Data Protection Act 1998. This costs £2.00 by letter or over the internet and £2.50 by telephone. They will require your full name, signature, current address, date of birth and any previous addresses that you have lived at for the past 6 years. Your file should be sent to you within 7 working days. If the information is incorrect then you have a right to ask the agency to remove or correct the information.
The main credit reference agencies are Experian and Equifax. You should check information held by all these agencies as some information may be different.
Debt Consolidation Explained contains general information only. We strongly advise you to seek qualified professional advice before taking any action.