Neither did I, when I suddenly started getting refused credit, despite having a near perfect credit score and a well paid job, it took nearly a year to find out what was going on. In the end, someone sent me a copy of the file they send to companies thinking of giving out loans and I compared it to the copy they sent me under a FOI request. The neighbours conviction details were hand written onto the copy sent to the loan company.
I think you can get score free if you have barclaycard
I did this through Top Cash Back in August and it still hasn't paid out !
I had no idea a credit reference agency hold details about criminal convictions.
Not forgetting that a lot of people NEED this sort of service BECAUSE Equifax got hacked last year and lost all their data. If my meds raddled memory is correct, somewhere in the region of 5 million Brits had their personal info stolen, alongside umpteen million Yanks. I have also had issues with them (many years ago), holding data against my name that wasnt about me, not only that, but they kept claiming they didnt, even after I had been told they had "Off SYSTEM" info being given out as part of a credit check by one of their own staff. Neighbour was arrested for drug dealing and our properties shared the same post code; his conviction was coming up against MY name.