Credit reference agency

Lenders supply data about your accounts, and the agencies combine it with public records and electoral register details to build a credit fileHow Credit Scores Work in the UKHow UK credit scores work: what the credit reference agencies record, what affects your score, why scores differ between agencies and what lenders actually see.Read more →. Each agency may hold slightly different information, so it is worth checking all three.

Agencies must follow data protection law, which gives you the right to see your data and have errors corrected. They do not decide whether you are accepted for credit. The lender makes that decision.