Prospective lenders keep files on customers’ and small business spending habits and behaviour in order make a judgement on whether to allow credit. This is done via a credit scoring system. The higher the score, the better the deal one may get on loans, and therefore save money. This can be crucial to small businesses. According to the Sunday Times Guide to Personal Finance edited by Diana Wright (HarperCollins, 2004) the lenders use a credit report company to make the decision on whether to allow credit. The three main ones are:

• Experian
• Equifax
• CallCredit

Data Kept by Credit Report Companies

Essential details on potential credit customers are kept by credit agencies. These include:

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