Many of our customers feel they would benefit from advice from a 3rd party. Free and independent advice is available from the
(Click on the region appropriate to you)
Citizens Advice Bureau Locator
Use our CAB locator below to find a branch closest to your location.
Credit Reference Agencies store information about most adults in the UK. They provide
lenders financial information about potential borrowers, which lenders use to make
their decisions. The information shared will most probably include information about
your previous credit history.
This information is called your credit reference file or credit report. This contains
information such as who your creditors are, your payment history, the amount of
available credit you have, credit default information, CCJs and bankruptcies.
The Information Commissioners Office advises the public on the
use of public information including credit and what to do if you believe this to
There are three main consumer credit reference agencies in the UK. Each of these
agencies, listed below, allows you to check your credit report for a small fee and
in some cases free of charge.