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Hello MSEs,

After my application was declined by HSBC for a CC, I decided I want to see whats on my file.TBH, I have not checked it before cos I know its pretty bad but I have got a contract phone since 2004 and never defaulted with T-mobile recently opened an acount with Natwest and was given 500 O/D.

So, I just made up my mind to view it and applied online for free credit file.But I couldn't see anything. My question is do I have to pay again to see it or what?

I know they took my bank details when applying but they haven't taken any money out.

Can someone advise me of how to easily check my credit file online thru equifax.

thanks in adv.

About half way down this page...

http://www.moneysavingexpert.com/banking/credit-rating-credit-score

it tells you how to view your file for free. DD :)

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