The Subject Access provisions of the Data Protection Act 1998 give you the right to request a copy of any information held about you by any organisation on computer or in some manual files.

1. Obtain a copy of your credit file or credit report

Credit reference agencies may hold data about you, often referred to as credit files or reports.

Credit files contain public information (e.g. Voters' Roll, County Court Judgments), and an individual's private financial details (such as payment history data). Some information on your credit file is made available to lenders, insurers and other organisations, but only CIFAS Members (which include Financial Services companies and other related industries) can view CIFAS records.

You have the right to request a copy of any data held about you from the credit reference agencies. The cost varies according to the type of report you request, but starts at £2.

Your credit file can be obtained from the following credit reference agencies:

• Experian
• Equifax
• Callcredit
  

This will show you public information (e.g. Voters' Roll, County Court Judgments) and your financial details such as your payment history.

2. Submit a Subject Access Request (SAR) to CIFAS

In accordance with the Data Protection Act (1998) CIFAS may only disclose to you CIFAS data held about you.

Please note CIFAS is not a credit reference agency and does not hold public information or payment history data.

For a fee of £10 you are entitled to request a copy of any information held about you by any organisation on computer or in some manual files. This is known as a Subject Access Request.  If you wish to request a copy of any data held about you by CIFAS, please follow the procedure as explained on the Subject Access Request form and send your completed form to the address below.

The Compliance Officer
CIFAS
6th Floor, Lynton House
7-12 Tavistock Square,
London
WC1H 9LT

Our response will include only CIFAS data and not public information, payment history data or other fraud information.

3. Submit a Subject Access Request (SAR) to any other agency

For information on how to do this, please click here and refer to the section headed What are your rights?

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