 About Credit Reference Agency
We provide a service to both consumers and businesses who
need instant access to credit reference data. With Credit Reference Agency you can apply
online to see what is on your own credit report file. We also partner with services that
provide corporate commercial and consumer credit reference reports both in the UK and
worldwide.
We also offer credit management support services to
assist in controlling and managing credit risk and debtor control.
Using Credit Reference Agency services enables you to:
- Access Your Own Credit Reference
Agency Report
UK consumers can view their own credit reference agency report online
- Corporate Credit Management
Manage the risk when trading with other companies with online credit checks
With Credit Reference Agency you can find the sources of
information you need to put you in control of your own credit file. In the past, the usual
process to see credit reference agency files was to apply in writing and wait for a copy
of your file to be sent to you. Today the process is quicker and easier - you can request
access to your credit reference files instantly through the See My Credit File Now option.
- Reveals the data collected about you on
credit reference agency files
- Show the lenders and organisations that
contribute records for your file
- Place comments on your file for others to
read
- Remove inaccurate details or out-of-date
information
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Your Credit Data Online
See your credit files online
- take a one-off look at your full file as seen and used by financial lenders
Click here
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Monitor Changes
Protect your score and status from missed payments and ID theft – get alerts to
record changes
Click here >> |
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Corporate
Are you a business needing status checks on consumers or companies? See our commercial
services
Click here >> |
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Can
I correct wrong information?
You can and you should. When you access your credit reference files, you have the chance
to change any wrong information. You can only change information that is factually
inaccurate, you cannot amend data which is factually correct even if you find it
inconvenient. However you can remove information that has appeared on your file if it is
about people with whom you have no direct financial connection. You can also add comments
to explain any previous credit problems if they are evident on your file.
Can I clean my credit reference
agency report?
You may sometimes see services that claim to clean your credit file or remove adverse
information. However you can access the file yourself and make changes that you know are
appropriate where information is incorrect. Credit agency files normally record data for a
maximum of 6 years, and after that the data is removed. Your file is therefore
automatically cleaned over a period of time. In this way, an adverse credit history does
not follow you forever, but you have the chance over time to build a more positive credit
record. |
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