Free Credit File Service

Equifax compiles credit reporting data and creates a credit report reflecting your personal credit history. Under normal circumstances Equifax would provide you with an initial free report as part of a 30 day trial period, after which you would have to pay for information.

At the moment, however, Equifax has committed itself to help the debt distressed, and is working with all the key debt advice charities to provide free access to credit files.

If you are working with an established debt advice charity to get your financial situation sorted out, you can use Equifax's free credit file service. You will need to request your credit file from Equifax yourself, using a request form and a supporting letter from the debt advice charity. Your free credit report will arrive by post within 7 days of your request.

To find out whether Equifax is working with your debt advice charity visit your local Citizens Advice Bureau or check with The Citizens Advice Organisation on line.