I've never applied for credit so do I have a Credit File?

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.

I've Never Applied For Credit So Do I Have A Credit File?

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.