Do you perform a credit check? Froda does not perform an UC check. As a complement to the company’s transaction history, we perform a credit check on the company. Since we do not perform a credit check on you as a person, your credit rating at the bank is not affected. By getting a credit check, we get the necessary information about your company so that we can make a fair credit assessment. In some cases we can do a “representative check” on board members. Since such information is taken in the capacity of the members as company representatives and not private individuals, the person’s credit rating with the bank is not affected in that case either.