There are three main Credit Reference Agencies in the UK: Transunion, Equifax and Experian.  These companies hold data on anybody who applies for any form of credit.  They monitor defaults, late payments, CCJ’s and Insolvencies.  Nowadays customers can log on to a sometimes free version of their credit file but more advanced searches sometimes come with a monthly fee.  This can be useful for people who are trying to rebuild their credit score.