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National Debtline

Advice you can trust

Credit reference agencies

There is no such thing as a 'credit blacklist' but if you do not pay your debts, you may find it difficult to get credit in the future.

Credit reference agencies

  • Credit reference agencies hold information about your credit agreements, decrees 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.