UK credit agencies

 

 

 

In the UK, there are three main credit reference agencies (CRAs) that collect and maintain credit information on individuals and businesses:
1. Experian

    One of the largest CRAs globally.
    Provides credit scores, reports, and identity protection services.
    Used by many lenders, banks, and financial institutions.
    Offers free and paid credit-checking services for consumers.

2. Equifax

    Another major CRA operating in the UK.
    Supplies credit reports to lenders, insurers, and businesses.
    Offers credit monitoring and fraud protection services.
    Provides free access to credit reports via ClearScore (a third-party platform).

3. TransUnion (formerly Callcredit)

    The smallest of the three major UK CRAs.
    Provides credit reports, scores, and fraud prevention services.
    Supplies data to financial institutions, telecom companies, and utilities.
    Offers free credit report access through platforms like Credit Karma.

Key Points About UK Credit Agencies

    Each CRA may hold slightly different data, so credit scores can vary.
    Lenders use different agencies, meaning your credit score with one CRA may not be the same with another.
    You can check your credit report for free from all three agencies.
    Errors on credit reports can be disputed directly with the respective CRA.

Would you like information on how to improve your credit score or access free reports?