The phrase "a credit reference" is correct and usable in written English.
It can be used when discussing someone's credit history or financial reliability, often in the context of loan applications or rental agreements.
Example: "Before approving your loan, the bank will need to check a credit reference to assess your financial stability."
Alternatives: "credit report" or "credit history".
■ If you have an unresolved complaint about a credit record you can refer it to the Financial Services Ombudsman and report any concerns about a credit reference agency to the Information Commissioner's Office.
This is not a credit reference.
A credit reference check will show up if anyone has applied for credit in your name.
Is Equifax the first data breach involving a credit reference agency?
The partner may report the borrower's default to a credit reference bureau, if there is one.
One Guardian reader was refused credit because a credit reference agency deemed his complicated Dutch surname invalid.
Campbell was born in 1880 in Brooklyn and at age 18 joined the Credit Clearing House, a credit-reference firm specializing in the garment industry.
Sharp-eyed viewers of vintage episodes of "Rocky and His Friends" and "The Bullwinkle Show" from the 1950s and 1960s may notice in the closing credits references to an old advertising agency, Dancer Fitzgerald Sample, long since absorbed by the Saatchi & Saatchi unit of the Publicis Groupe.
But you should also look at your report from one of the three credit-reference agencies (Callcredit, Experian and Equifax).
She sends a series of prospective tenants - a couple whose credit references are non-existent & who had stolen all the furniture from the house they rented previously; a counterfeiter; two gangsters who deal only in cash, & anybody that doesn't like it "... they're liable to wind up with their feet in a barrel of cement".
It is also a number used by credit referencing agencies for identification.
