Credit Reference Agencies

Credit reference agencies collect information about your financial situation, for example, details of any loans, mortgage or credit cards that you have.

This information is made avaialble to financial institutions so that they can make a decision whether to lend money or offer credit terms to you.

Which credit reference agency?

Different lenders will use different credit reference agencies and each agency will collect different credit information on you, so just because your credit file looks good with one agency, does not mean it will be good with all the credit reference agencies.


Experian is one of the uks principal credit reference agencies. It offers access to your credit history file either by post or by via an online download. There is even a free trial of its online service.

Credit Reference Agencies

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