Can I create a new UK credit file?

Question

Is it possible and legal to create a new uk credit file?

Answer 1

No.

Answer 2

you cant no, but you can repair it. Do not pay a company to do it, they are scams. this is a link to an article on doing it properly.

http://www.associatedcontent.com/article...

Answer 3

How do you mean?  You have a 'credit file' which is influenced by what you do financially in the UK, as you do it.  This file is maintained by a combination of the 3 Credit Reference Agencies in the UK (Experian, Equifax, Call Credit).

You can't create one, because you didn't create your current one. It's not down to you.

If you mean, can I leave behind my existing credit history? Then it's tricky as whenever you apply for credit (say at a new address) they will ask you where you lived previously. If you fail to disclose a previous address, then either there will be no credit history for you (in which case you probably wont get credit); or they'll discover the previous address on your existing credit file, and take that into account.

If you lie about where you have/haven't lived it'll likely show up. And you'll be breaching the credit contract you'll be signing which says something like "all this info I've given you is full and complete".