An individual can find out what is in his or her credit file, but only on request.

Another major demand was that the companies provide consumers with free copies of their credit files upon request.

The best way to avoid having derogatory marks in a credit file, of course, is to pay bills on time.

We recommend that you place a fraud alert on your credit file.

If you miss a payment the lender will record the default on your credit file.

By law, people who find incorrect information in their credit files can demand an investigation.

Legally, however, information that is negative but correctly reported can be retained in a credit file for seven years.

A credit reference agency must reply within seven days to a request for a credit file.

To maximise your chance of getting a home loan, check your credit file.

He touched a key and the credit file faded, to be replaced a heartbeat later by an employment history.