What is a credit reference agency?
A CRA gathers and holds both public and financial information on consumers in the UK. The Information held includes Electoral Register details and any bankruptcies or County Court Judgments registered against you.
It also holds financial information from Credit Providers, allowing lenders to check how an individual has conducted any previous borrowing. Research would suggest that those who have had difficulty maintaining payments in the past may struggle with a new credit commitment.
Credit Reference agencies only record information on individuals who are financially connected, rather than just living at the same address. Examples of this would be someone you share an account with or someone you have made an application for credit with in the past. Information on previous inhabitants of your property will only be included if you have been financially linked with them.
Your credit details
We are unable to provide you with any information held on your credit file. In order to see the information held on file about you, you'll need to contact the agency directly. If there is something wrong on your credit file you can raise your concerns with the credit reference agency. However, if the problem lies with the original lender or organisation that supplied the agencies with their information you may need to contact them instead.
For further information
Please click here for the ICO website (Information Commissioners Office) to find more detailed information on credit files.
If you require further information on the information contained within your credit file, please refer to the following organisations:
Call Credit - http://www.callcredit.co.uk/
Equifax - http://www.equifax.co.uk/
Experian - http://www.experian.co.uk/