Recent technical problems at RBS, NatWest and Ulster Bank last month could have impacted on customer credit ratings.
The credit reference agency, Equifax, has warned that some credit files may have been damaged by payment issues last month.
The Payments Council has said that it is working closely with banks and three credit reference agencies, Equifax, Experian and Call Credit, to determine whether customer files have been affected by the technical glitch.
Customers have also been advised by the Council to check their credit files if they are concerned they have been affected.
Customers can claim the cost of the credit check back through their bank, if the check is made prior to the end of October this year.
Neil Munroe, external affairs director at Equifax, said: "We are recommending that consumers wait until at least August to obtain a copy of their report to ensure there hasn't been any negative impact.
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