Credit agency
Credit scores & reportsA common shorthand for credit reference agencies that store your credit history.
Overview
In the UK, the main credit agencies are Experian, Equifax, and TransUnion. They collect data from lenders and public records to build credit reports.
Your credit score is calculated using the information held by each agency.
Why it matters
- Lenders use agency data to make decisions.
- Your score can vary by agency.
- Errors at an agency can affect applications.
FAQs
Should I check more than one agency?
Yes. Each agency can hold different data, so checking all three gives a full view.
Is a credit agency the same as a lender?
No. Agencies hold and share credit data, while lenders provide credit.
Related terms
Take control of your credit health
Get the complete credit toolkit — all features included.
Start building creditInstant setup. No credit check. Cancel anytime.