There are three main credit reference agencies that create credit reports that can be used by lenders to find out more about your credit history. Lenders may use one or more than one of these to help make their lending decisions. The credit reference agencies are:
These organisations hold information about consumers and their borrowing behaviours. Each time you apply for credit or take out a new credit product this will be logged on your credit file held by these organisations. Whenever you complete an application form for credit, you will also agree to the lender accessing your credit file held with at least one of these.
These credit reference agencies provide their services to a range of credit check companies that you can use to find out your credit score.