How do you work with the Credit Reference Agencies?

As part of our application process, we do perform credit checks. This policy ensures we only grant loans to customers who we believe will be able to comfortably repay what they borrow.

As part of the credit check process, we will leave an application ‘footprint’ on your credit file.

If your loan is successful, we are obliged to make reports to our credit reference agencies in respect of a) the approval of your loan, and b) the ongoing performance of your loan in terms of its repayment. These reports are made on a regular basis however sometimes the credit reference agencies can take a little while to update your information.

Further information about how you can gain access to your credit report information can be found at:


If you want to see what information credit-reference and fraud-prevention agencies hold about you, you can contact the agencies currently working in the UK. The information they hold may not always be correct, so you can ask to see a copy of your credit history, as well as get more advice on how to improve your credit rating from the organisations listed below (please note some of these may charge a small fee for this):

Further detailed information can also be found at: