Credit Reference Agency
Credit Reference Agency gives UK consumers access to
their credit reference files. See your own credit agency report instantly online and see
the information that financial companies and lenders see about you.
If you are in business, Credit Reference Agency can help
you credit check any UK business customers online and minimise your credit risk. The
services we provide are favoured by credit controllers and senior financial decision
makers in large and small businesses.
See your credit file now? Click here to See My Credit File Now
Credit check a business? Click here for Business
Credit Reference Agency Services
All UK individuals have a legal right to see personal
information recorded on credit reference agency files. held about them, including the
information which banks and other lenders see when they get a report on you. The
traditional method for people to access their personal data was by post and then waiting
for the credit agency to respond, either to confirm your identity, or with a copy of your
credit file. But nowadays you can find out what's on your own credit reference agency file
by applying online.
- Find out what information is recorded about
you on your credit reference report
- See which companies and lenders are
contributing records about you to the credit agency
- Check whether there is any information which
should not be on your report
Corporate Credit Agency
Find information and credit ratings on any UK business - we offer a link to one of the
UK's market leaders in business credit referencing. With reports on all UK companies and
credit profiles on sole traders and partnerships, you can reduce the risk of extending
credit whoever you do business with.
International Credit Reference Reports
Doing business overseas can inherently increase the risk. Knowing who you are doing
business with is easier with international credit
reports and company information.
|Your Credit Data Online
See your credit files online
- take a one-off look at your full file as seen and used by financial lenders
Protect your score and status from missed payments and ID theft – get alerts to
Click here >>
Are you a business needing status checks on consumers or companies? See our commercial
Click here >>
do credit reference agency scores work?
If you have ever been declined credit it can be concerning. Before deciding to grant
credit or approve you for a loan or finance agreement, most lenders will check your credit
record using a credit reference agency. The credit agency will not make the actual
decision or dictate the the credit limit that you are awarded, this is something
determined by the lenders. A credit reference agency may include a risk score on their
report, which can give the lender a benchmark against which to consider your credit
status. Credit reference risk scores are calculated by the agency on the basis of how your
credit profile compares with that of the population as a whole. Some factors are known to
represent an increased credit default risk, while other factors can be typical of prompt
and reliable credit repayment. A credit score takes account of whether or not you are
registered on the Electoral Roll and any previous addresses and how long you were resident
at each. This gives lenders an indication of how nomadic your lifestyle and whether you
appear to move frequently. Another factor is how promptly you pay your monthly credit
account and utility bills and whether you have got into arrears or regularly missed
payments. Any CCJs (county court judgments) or bankruptcy records are shown on file.
Who uses credit reference files?
Organisations that use credit agency information include utility and telecommunications
companies, banks and building societies, finance and hire purchase companies, and credit
card and store cards. To access credit files requires a licence and the purposes for which
access is possible is subject to specific criteria, so not all companies can investigate
credit reference agency files.