Where does the information in my credit report come from?
The credit reference agencies get their data from banks, credit card companies, and other lenders. This data typically shows how quickly a person pays their account and may also show the credit limits they have been granted and any slow or defaulted payments. The credit reference agencies also get information from public records, such as the Electoral Roll, county court judgements, and bankruptcy records. This is the report that you can access when you request your free credit report.

Who uses credit reference agency information?
The credit files held by the credit reference agencies are used by lenders when a person makes a credit application with them. You are allowed access to see your credit report free or for the fee charged by the agency or as specified in law. The lenders can look at the information that has been compiled about the applicant, and use this to help them decide whether the applicant appears to be a good credit risk. Lenders that may use credit reference agency files include banks and building societies when considering loans or mortgages, catalogue companies and shops that offer credit facilities, and credit card companies.

Now you can see the same credit report as banks, store cards, loan and finance houses and credit card companies can see when they get a credit report on you. See your own credit report free now.