Credit File

A record of your financial history

Your credit file is a record of your financial activity and is maintained by a credit reference agency.

It contains details of all the applications for credit that you've made and the decisions that were made.

If you miss payments or go into arrears, this will be noted on your file, as will more serious entries such as defaults and CCJs.

Positive information is also stored on your file, and so responsibly operating a credit account of some kind can have a beneficial effect on your credit rating.