How It Works

The information held on our system consists primarily of the information provided by you when you apply for a financial product from an organisation who submits data to us. We do not hold any credit scoring records, credit histories, information concerning County Court Judgements (CCJs) or bankruptcies, nor do we store Electoral Roll information.

The application information we hold is used to help financial organisations concerned determine whether the information contained within the application form is accurate. If it is not accurate, this could be because the person making the application is attempting to commit fraud, or it could be that someone is attempting to impersonate an innocent person.

If you are experiencing problems obtaining credit, then we recommend that you first obtain a copy of your credit file from the three credit reference agencies.

• TransUnion 
• Equifax
• Experian

To help you decide whether you still need to get in touch with us, and for further information, please click here 

If you want to send a Subject Access Request,  download our SAR form

For any other questions, please see our  FAQ page