Credit Reporting Agency is the UK's first Internet based provider of consumer credit reference information.
Conveniently and quickly we deliver credit reference information to anyone with access to the Internet.
We provide help text where necessary throughout our website to help those who are not familiar with some of the jargon used in credit.
We have two main functions:
- to help individuals to check their own credit files, or to keep track of changes to the information stored about them
- to enable businesses and other commercial organisations to check credit files using the Internet.
Individuals are able to access their credit file information online. Credit Reporting Agency uses power of attorney from its customers to reveal privately held and detailed information on how credit commitments have been handled, such as current credit card balances, payment history and credit limits. These private files are shared by over 200 of the largest lenders in the UK and are vitally important for people who regularly apply for mortgages or credit. We provide a service to individuals to monitor changes to their credit files and to keep them fully up-to-date with personal information issues. We also provide advice on how to maintain a good credit file and how to fix errors.
Businesses using our services may include anyone wishing to check out people before making decisions to lend money, to extend credit or to make checks for fraud prevention purposes. The information made available through Credit Reporting Agency for these specific purposes is already in the public domain, such as Electoral Roll information and the presence of county court judgments or bankruptcies.
Founded in 1998 in Cornwall, Credit Reporting Agency is a privately owned company, funded independently without reliance on any UK institution and has no link to any government agency. Our independence enables us to give fully impartial and objective advice, helping businesses to make better informed decisions and enabling people to take control of the information held about them.
