The Credit Assessment Agents Act This link will open in a new window proposes three protection measures that a credit assessment agent must take when asked as regards the records the agent holds on each person concerned, namely a security freeze, a security alert and an explanatory statement. The Act therefore confers the right on any person concerned by a record held by a credit assessment agent to take each of those protection measures regarding his or her record. It also confers the right on every person concerned to the communication of their credit rating.