# What business credit bureaux see. Your company has a credit file of its own — separate from anything in your personal name. This guide explains who the UK business bureaux are, what feeds a company file, and why **the company is assessed, never you personally**. When a lender, a supplier or an insurer wants to gauge a company, they often look at its business credit file — a record held not in any person's name, but in the name of the company itself. Understanding what sits in that file, and where it comes from, takes the mystery out of how your business is seen. Creditcorp is the growing name for the Credicorp group, and Credicorp Limited is the lender behind it. This page is a plain-English guide to the UK business credit bureaux and the company file they build — general information, not an application and not advice. When you are ready, applying happens on the lender's own site, [credicorp.co.uk](/how-it-works/). The borrower is the **company** — a UK private limited company (Ltd), LLP or PLC — not the director who signs. The assessment rests on the company's own business credit standing, not a director's personal file: no personal credit check on a director, and no personal guarantee. This is **not** consumer lending or sole-trader finance. ## Who the business bureaux are A handful of independent agencies hold and rate UK company data. A business credit-reference agency, or bureau, collects information about companies and turns it into a report — usually with a score or rating that sums up how the company manages credit. The main agencies operating in the UK include **Experian**, **Equifax**, **Creditsafe** and **Dun & Bradstreet**. They are independent businesses, not part of any one lender, and they sell access to their reports to firms that want to assess a company before trading with it or lending to it. Because each bureau gathers its data and works out its score in its own way, the same company can show a slightly different rating from one agency to the next. There is no single, official business credit score — only the picture each bureau builds. A company can usually request its own report from any of them and check what is held. ## What feeds a company credit file A business file is built from public and commercial data about the company — not a director's household. ## Why the company file is separate from yours A company is its own legal person, so it carries its own credit identity — distinct from any director. [No personal guarantee — what it means →](https://creditcorp.co.uk/learn/no-personal-guarantee-what-it-means/) ## One thing about sole traders The clean split between company and personal only holds for an incorporated business. A sole trader is not a separate legal person from the individual running it, so there is no distinct company file and the line between business and personal blurs — which is one reason Credicorp lends to **bodies corporate only**: UK limited companies, LLPs and PLCs. If your business is incorporated, it has its own credit identity, and that is what is assessed. The [lending and regulation](https://creditcorp.co.uk/lending-and-regulation/) page explains where that line sits. ## Business credit file questions The questions directors ask most. For anything specific to your business, the lender's team are at credicorp.co.uk. ## Where to go next To see how a clear company picture turns into a lending decision, read [how affordability is assessed](https://creditcorp.co.uk/learn/how-affordability-is-assessed/), and to understand why the company alone carries the obligation, see [no personal guarantee — what it means](https://creditcorp.co.uk/learn/no-personal-guarantee-what-it-means/). The [business finance jargon buster](https://creditcorp.co.uk/learn/business-finance-jargon-buster/) defines the terms behind a company file, the [products page](https://creditcorp.co.uk/products/) sets out all three Credicorp products, and the whole series sits on the [Learn hub](https://creditcorp.co.uk/learn/). There is even-handed background for the group on [creditcorpgroup.co.uk](/). [See how it works at credicorp.co.uk →](/how-it-works/) ## Ready when you are Applying, drawing down and managing your account all happen on the lender's site, credicorp.co.uk.