The following information is taken from , a free, independent advisory service set up by government.

A credit report (also called your credit file) is held by a credit reference agency and includes the following information:

Public record information about you
This includes Electoral Roll details, and any court judgments (such as County Court Judgments (CCJs) in England and Wales, and Decrees in Scotland) or records of insolvency such as a bankruptcy against you.

Credit account information
These are details of your current and past credit agreements (such as loans, credit cards, overdrafts, mortgages and mail-order accounts). These include whether you have made agreed payments on time. Lenders pass information about your credit account(s) to the credit reference agencies, usually based on a term in your credit agreement which gives them permission to do so.

Previous credit checks
These will be due to previous applications for credit, and the application form will normally say you give the firm your permission to check your credit report.

Credit report information is entirely factual so credit reference agencies neither advise organisations whether they should give you credit nor put people on a blacklist stopping them from getting credit – see common credit report myths on the moneyfacts website. Lenders will usually have their own credit scoring system which uses information on your credit report. You can see whatever information the credit reference agencies hold on your credit report. There are three main credit reference agencies:

Callcredit Limited
Consumer Services Team
PO Box 491
Phone: 0870 060 1414

Equifax plc
PO Box 1140
Phone: 0870 010 0583

Experian Ltd
PO Box 9000
NG80 7WP
Phone: 0870 241 6212