What is a Credit Reference Agency (CRA)?

Credit scores are generated by Credit Reference Agencies, such agencies might also be referred to as a ‘Credit Bureau’ or a ‘Credit Reporting Agency’.

The CRAs gather account information from various financial providers such as banks, telephone and utilities companies in addition to public information such as electoral rolls and bankruptcies. The agencies then collate this information to share with UK lenders to support and inform the lending decisions.  In the UK, there are three main credit reference agencies: Experian, TransUnion and Equifax.

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