: Utilises global predictive models for credit scoring.
: Under the Data Protection Act , agencies are legally required to provide you with a copy of your credit report upon request. credit-reference-agency
: Agencies are bound to ensure data is accurate, relevant, and not out-of-date. : Utilises global predictive models for credit scoring
: Lenders use these reports to decide whether to grant you credit, such as loans or credit cards. : Lenders use these reports to decide whether
AI responses may include mistakes. For financial advice, consult a professional. Learn more Check Your Credit Report Site | Information Guide
A , also known as a credit bureau, is an independent organisation that collects and maintains financial data on consumers to help lenders assess risk. Core Functions
: If you find an error, you can raise a dispute. The agency must review your supporting documents and contact the relevant lender to verify the information.