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Credit Reference Agency

What is a Credit Reference Agency and what do they do?

Credit reference agencies (CRAs) collect and hold information, about a person’s credit history. Information is shared with CRAs from different sources such as:

  • Finance companies like banks, building societies, and insurers.
  • Other bodies like local authorities and courts.

There are three main CRAs; TransUnion, Equifax, and Experian. They collect and store information to produce credit reports on people in the UK. 

©2024 TransUnion Information Group Limited. All rights reserved. Registered in England and Wales with company number 04968328. Registered office: One Park Lane, Leeds, West Yorkshire, LS3 1EP. TransUnion International UK Limited, part of the TransUnion Information Group, is authorised and regulated by the Financial Conduct Authority under registration number 737740. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. TransUnion International UK Limited is a credit broker and not a lender. TransUnion Information Group Limited and its subsidiaries utilise the TransUnion name under licence from TransUnion LLC.