Credit reference agencies (also called credit bureau) capture the credit behaviour of all of us who use credit. You don't need to be borrowing from banks for there to be a credit file about you. Merely starting a mobile phone contract or paying for your utilities in arrears means you are using credit.
As your credit worthiness is vital in today's economy it pays to understand what these companies know about you. And it pays to know how to ensure that information is correct.
Learn what you need to do: The Ultimate 100 Point Guide to Improve Your Credit Rating.
In the meantime, here are the contact details for key credit bureaus should you need to contact them:
Address: Customer Relations, TransUnion Information Group, One Park Lane, Leeds, LS3 1EP
Tel: 0330 024 7574
Written/Reviewed by: David Silverman