Your credit history is a factual record of credit accounts you've had over the last six years,
combined with public record information, such as the electoral roll and the register of county court judgements.
Most people have some sort of credit agreement, whether that's a car loan, a mortgage, credit cards,
an overdraft, a mobile phone contract or a mail order catalogue account.
Information on your credit behaviour is collected and maintained by credit reference agencies.
A credit history is not a blacklist of people or properties and it doesn't give an opinion about
whether or not a person should be offered credit. Lenders don't know about your credit history unless
you apply to them for credit. At this point they contact the credit reference agencies to request access
to your credit file, the record of your credit history.