How will my credit rating be affected?
People with a history of debt problems often find it difficult to get a tenancy or mortgage. They usually check your credit history with credit reference agencies such as Experian and Equifax.
You can write to the credit reference agency asking for a copy of the information they hold on you. You normally have to pay a small fee, but may not have to pay if a specialist adviser does this for you. The agency should send you a copy of the information they hold on you within seven working days, and information about how you can change the information if it is not correct. If the agency refuses to change information that is incorrect, get advice.
You may be able to complain to the Information Commissioner’s Office.