How do I get my credit report?
To get your credit report you need to provide your full name, date of birth, and you current address, you may also need to provide your previous addresses if any, and pay by credit card.

What do credit reference agencies do?
Credit agencies hold massive databases on the credit histories of millions of consumers. This information is gathered and given to the credit agencies from creditors that extend credit, for example credit card companies, HM Inland Revenue, department stores, mobile phone companies, and banks. Your credit history contains information that creditors use to evaluate and determine your ability and willingness to repay credit. Typically, credit reference reports give a list of your open accounts - that is still a active where credit is still being repaid, credit limits, current balances, number of late payments, any arrears and collection actions, whether you are a home owner or not.  The adverse things that can appear on your credit report include multiple searches suggesting you are applying for lots of credit in a short space of time, late payments, defaults, CCJ's, bankruptcies and repossession orders.