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The different credit agencies
There are three UK consumer credit reference agencies: Experian, Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF Equifax, Credit File Advice Centre, P.O. Box 1140, Bradford, BD1 5US CallCredit, Customer Care, PO Box 734, Leeds, LS1 9GX
Each agency maintains a separate credit report. Some of the information may be similar in all three reports, for example your name and address details from the electoral roll, or any county court judgments listed. This information comes from publicly available sources, and is therefore probably common to all three agencies. However each agency also has its own individual data sharing arrangements with certain lenders. One lender may contribute data to the credit files of one agency but not another. Therefore the credit history information shown on the credit reports of each credit reference agency may be different.
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