We’ll create a credit file when we first receive information about you, such as an enquiry you made to a credit provider, a business directorship, or default judgement information.

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Remember, banks and financial institutions are not the only providers of credit. Any company that provides payment terms of at least seven days may also be a credit provider, including mobile phone, electricity and gas companies. These companies may access your credit file with your knowledge, as part of assessing your request for a particular service.

You can get a copy of your free credit report or you may want to consider signing up to a monthly subscription package with additional features such as Credit Alerts that notifies you of change to your credit report.