If you apply to open a new bank account, for example, the bank will tell you that it will check your credit report from one of the 3 main Credit Reference Agencies in the UK. The Credit Reference Agency will then supply information on your credit history, including details of any current credit agreements and any rental agreements it holds, and show how you have managed them.

Further reading:

CRAIN - Experian

CRAIN - Equifax

CRAIN - TransUnion

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