Your credit history is important as it’s used to determine your credit worthiness. This may affect whether you can borrow in future, and if so, how much.
Credit Reference Agency collects information from various sources, including banks and lenders, and provides consumer credit information on individuals in order for companies to assess the individual’s credit worthiness, the behavior of the individual in terms of repaying debts, the whereabouts of the individual and whether any County Court Judgments have been issued against the individual.
You can check your credit report for a small fee by contacting one of the credit reference agencies listed here.