Credit reference agencies are companies which safely and securely collect and keep information about your borrowing and financial behaviour and history. Whenever you apply for credit or a loan, like a mortgage, lenders will check the information held about you. They’ll use information provided by credit reference agencies.
Credit reference agencies use the information they have about you to give you a credit score. Each agency has different scoring systems, so you could have a score of 500 with one agency, but a completely different number when you check with another. That can be quite confusing!
We recommend using checkmyfile* because they show you information from four credit rating agencies in one place. That way, you can get a good overview of how the different credit reference agencies display your info and score you.
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