Any question answered...

@CYOA, all of the credit reference agencies have to give you a report for £2 by law, the free trials are better but you sometimes have to ring to cancel and it can take ages to get through on an 0870 number...

There used to be three agencies, Experian, Equifax and Call Credit - I don't know if there are more now. Check 'em all.

Just tried both experian and equifax - have to give card details, fair enough - both cards unrecognised by both companies despite being active and full to the best of my knowledge.

I feel like Will Smith in Enemy of the State.