Accessing Your Credit File

Before accessing your file, the credit provider will either request your consent, or advise you of their intent to view it. They’ll then assess the credit file to help them decide whether to accept or refuse your credit application. This will be done against the lender’s set of specific internal criteria. Landlords can’t check the credit history of prospective tenants. Real estate agencies that subscribe to the National Tenancies Database – a specialised credit agency which is only accessible to real estate agents – can check the tenancy and rental credit histories of applicants for leases, but this is not the same thing