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Credit Report FAQ


Credit agencies and how they get data

  • Your credit files are held by credit reference agencies. They hold files on nearly all UK consumers. The credit agencies gather and store information about people in order to provide other companies, such as lenders, with information that can assist them in profiling applications.

  • Credit reference agencies have a legal right to hold information about you that is already in the public domain such as county court judgments and bankruptcy orders. They also get name and address information from the electoral roll. The credit agencies also collect and supply other information about you under Schedule 2.1 of the Data Protection Act. This allows the credit agency to process this information if you have agreed to it. You will usually agree to this when you apply for credit. A section of the lender's application form will refer to a section that explains how your personal information will be used.

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