Credit file

[chrisuk013]

Are you able to open a new one...?,I have seen it advertised but just wondered wether it was legal..?

[themas]

If you mean are you able to "lose" your Credit Reference Agency file in some way and open a new clean one (i.e. so you can get back a good credit record) the answer is NO. Anyone who advertises saying they can do it for you is most likely aiming to con you out of money, or will suggest various ways of dubious legality which they say would enable you to do something to clean up your record.