Credit Agencies: What is credit scoring? Does my credit report contain all the information held by credit reference agencies? What is the National Credit score and how much does it cost? Does everyone have a National Credit score? Will my National Credit score change? Why do I have to join Credit Expert to get my National credit score? If one company turns me down will the rest do the same? Is it possible to find out why I have been refused credit? Does my report show I have been turned down for credit? Is there such a thing as Blacklists? Will my familiy's credit history show on my file? Why does my report have information about the electoral roll? Have I been turned down for credit because my name is not on the electoral role? Can I find out my Credit score? How do I improve my Credit Report?
Is there such a thing as Blacklists? No. Credit reference agencies do not hold blacklists. They provide factual information about people but do not offer opinions about whether you are likely to repay credit. Lenders make their own decisions using all the information they have available to them.
