The Credit Agency is a free credit reference point designed to aid businesses and consumers in making informed decisions across every area of the Credit Management function from debt collection to credit reporting and credit control to invoice finance.

If you are looking for a Credit Reference Agency, then you've come to the right place. Our Online Free Credit Report Service is second to none. We offer extensive information about credit checks, telling you what is contained within a credit report and how to analyse your credit score, whether it is for personal credit reasons, of for commercial use. Most important of all is that we provide:

"Free Credit Reports Online for Individuals + Resources to Conduct UK + Internaional Company Credit Checks"

Click on the Equifax, or Experian banners to the right of this page for your free personal credit report. (You will require your credit card details to hand for this to confirm your identity.)

Our Credit Management Services are not just limited to our online free credit report service. We are one of the most important reference points on a range of credit subjects, including: Credit Control Outsourcing, Debt Collection, Debt Sale and Purchase, Credit Training and Invoice Finance (factoring and invoice discounting). We have far reaching knowledge in each of these credit management disciplines.

At The Credit Agency we take a two tiered approach to our operations. First and foremost, we educate businesses and individuals to adopt effective credit management processes.

The second (and just as important tier) that The Credit Agency operates involves developing relationships between businesses and credit management agencies, including helping you find the right Debt Collection Agency / Debt Recovery Agency, Online Credit Report Service, Invoice Finance Provider amongst other credit management service providers.

We maintain a database of the top credit management service providers in the UK across all credit disciplines, monitoring the services offered, success rates, charges, and areas of industry specialism (industry specific knowledge is key to effective credit management).

To navigate through The Credit Agency site (the home of UK credit management), please use the grey navigation bars at the top of the page. Alternatively, enter your credit search into the menu on the upper right of this page and you will be provided with the pages on this site that are most relevant to your credit management search.

Note that on the right of this page we've provided some useful links for you. If you're seeking your personal credit report, use our FREE UK CREDIT REPORT service. Simply click on the 'FREE UK CREDIT REPORT' link and you will gain instant access to receive a copy of your free credit report online.

The free personal credit report options include the Equifax credit report & Credit Watch Gold Monitoring, and the Experian Credit Expert report. Alternatively, you can purchase a '3 in 1' credit report here through the checkmyfile.com. This provides your Callcredit, Equifax and Experian credit information in a single place.

Company credit reports are also available at The Credit Agency, courtesy of UK Data Ltd and Graydon in our main online credit report section (company director checks are also available).

We hope that you enjoy browsing The Credit Agency site. If you have any questions or feedback for us, then please contact The Credit Agency team by sending an email to info@thecreditagency.co.uk