I've never applied for credit. Do I have a Credit File?

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

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 credit report for free. We also have a range of annual subscription packages to get you a copy of your Equifax credit report, your Equifax Score and other features such as credit and identity monitoring.