[Skip to Content] Get Adobe Reader

Credit Reference Agencies

Credit Reference or Credit Ratings Agencies (CRAs) will be important to you if you are/have/think you have ever been in debt of any kind because they are used by lenders such as banks, loan companies and retailers to decide whether or not to give you credit for things such as mortgages and store cards. Lenders will naturally want to check your credit rating/score with a CRA to see whether you are able to repay the money they are lending. 

CRAs hold a range of information about most adults in the UK including previous credit history which is shared with lenders to help them make their decisions based on their own specific criteria. If this information gives you a poor credit rating/score with that particular lender, you may be refused credit and if the information that CRAs hold about you is incorrect or out of date, you could be refused it unfairly.

If you have been refused credit or want to find out about whether your credit rating has been affected, the Information Commissioner’s Office website shares useful information about engaging with credit reference agencies to ensure that your personal information is correct and up to date.

You can request a copy of your credit reference file from any of the main consumer CRAs listed below. This will allow you to understand what information is held about you and how you can improve it if necessary. Please note that CRAs may charge you for this information.

  • Callcredit (www.callcredit.co.uk)
  • Equifax (www.equifax.co.uk)
  • Experian (www.experian.co.uk)

Alternatively, click on the link below to visit the Callcredit website.

Callcredit Information Group is expert in managing consumer data for businesses across every sector, from financial services, retail and utilities to public sector, telecoms, insurance and many more.