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To get details on your credit history instantly online click here to visit Check My File. They can provide details of your credit history including online access to your public credit file. If you would like to contact the main UK credit agencies direct they are : Experian Ltd PO Box 8000 Nottingham NG1 5GX tel 0115 934 4050 & Equifax Europe Dept 1E PO Box 3001 Glasgow G81 2DT tel 0990 783783.

No one has a right to recieve credit. Before you can ger credit, most lenders such as banks, loan companies & shops will want to check whether you are an acceptable risk. To help them do this, they can check with firms called credit reference agencies to get details about you and your credit record.

Credit reference agencies keep information on their computers about almost every adult in the UK. These agencies do not keep blacklists or give opinions about whether or not you should be given credit. They simply provide details about your credit record.

Credit reference agencies will not be able to tell you why you were refused credit. It is the lender who decides whether you are an acceptable risk. If you are refused credit you have certain rights. In particular you have the right: to know the name and address of the credit reference agency that the lender contacted for details about you. You are entitled to see any information held about you by that agency and correct any inaccurate information if it exists. The Data Protection Commisioner has responsibility for the credit reference agencies and produces a leaflet "No Credit ?" on how to consult your credit record and correct any mistakes that may occur.

You can order a copy of this leaflet by phoning 0870 44 21 211. How is your credit reference calculated ? Many lenders use credit scoring systems which allocate points to various pieces of information given on your application form. This may include your age, your occupation and whether you own your home. These points are added together to produce your credit score. This can help the lender predict whether you are an acceptable risk.

Different lenders have different systems and pass marks, so you can be turned down by one lender but be accepted by another. Your credit score is not part of the file kept on you by the credit reference agencies. Lenders do not have to tell you exactly why they have turned you down, but they should give an indication of the reason.

(Source http://www.oft.gov.uk)

Checking your credit card references