Details of an individual's financial activity in the past, held by Credit Reference Agencies and used by lenders for their Credit Scoring processes. Credit files include records of applications for loans and credit cards, late payments, defaults, credit searches performed by other companies, and other relevant financial information.
Credit Files are available upon request from the agencies and through the internet. Where individuals believe that information on their file is incorrect, they should contact the agency asking for their record to be amended.
