Credit reference agencies
Credit reference agencies hold information about your credit agreements, county court judgments and electoral roll information.
Your credit file will also hold information about any credit arrears you have.
The information a credit reference agency holds about you is known as your credit report (or file).
They do not have a 'blacklist' of people who should not be given credit.
Credit reference agencies provide factual information with your consent, so that a company can make a decision about whether to lend you money.
A limited company can also have its own credit report. It works in the same way as a personal credit report.
Our fact sheet on credit reference agencies explains what these organisations are, what they do, and your rights
Read more about credit reference agencies and credit reports