Nobody has the right to credit. Before giving you credit lenders, such as banks, loan companies and shops, want to be confident that you can repay the money they lend. To help them do this, they may look at the information held by companies called credit reference agencies.
Credit reference agencies give lenders a range of information about potential borrowers, which lenders use to make their decisions. The information shared may include information about your previous credit history. They hold certain information about most adults in the UK. This information is called your credit reference file or credit report.