Credit reference agencies, also known as credit bureaus, securely collect, store and maintain information about your credit history.

They give loan providers access to your credit file (though never without your permission) to help them make a decision when you apply for a loan.

When you check your personalised rates with Zopa, you agree to let us to carry out a soft credit search with the credit reference agencies we work with. This doesn’t affect your credit score.

How to access your credit report

Credit reference agencies have to share your credit report with you if you request it.

Some companies charge a fee, some are free, and some offer you a free trial period (remember to cancel your subscription if you don’t want to be charged).

CheckMyFile is a multi-agency credit report service with a free trial.