1. NI Consumer Council : ICO Credit Explained Catherine Vint and Nigel Treanor ICO NI.

2. Which Act allows me to get information on my credit file? 1: Freedom of Information Act 2000 2: Data Protection Act 1998 3: Consumer Credit Act 1974 4: Consumer Protection Act 1987

3. Which of the following will you need to obtain your credit file? 1: Your bank statements going back 5 years 2: A cheque or postal order for £2 3: Details of your identity, including full name, address, data of birth and any other names you have used in past 6 years 4: Any other information credit reference agencies may require?

4. How long does a credit reference agency have to respond to your request for your credit reference file 1: 40 calendar days 2: 7 working days 3: 7 calendar days 4: 40 working days

5. I have my credit reference file but some of the information is wrong. What can I do? 1: Contact the credit reference agencies 2: Write to the lender 3: Give your full name and address and any proof why you think the information is wrong 4: If your query is about accuracy contact the relevant agency 5:Keep a copy of any letters you send Answer – All correct.

6. The credit reference agency has not replied to my letter within 28 days, or it has replied to my letter but taken no action – what can I do? 1: There is nothing I can do 2: Add a notice of correction 3: Complain to the Information Commissioner

7. Information Commissioner’s Office 51 Adelaide Street Belfast BT2 8FE 02890 269380 ni@ico.gsi.gov.uk www.ico.gov.uk