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Credit reference agencies are commercial companies which compile information from a number of different sources, including the electoral roll, county court judgements and financial institutions.
They sell this information to lenders and other service providers in the form of credit reports which help them to decide whether to grant an application for a loan, credit card, or provide another financial product.
Agencies hold personal information taken from previous credit applications. This includes your name, date of birth, current and recent addresses.
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