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Credit Reference Agency

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.