In the UK, there are three main credit reference agencies – Equifax, Experian, and TransUnion. Each of these agencies has a different scoring system and uses different information to determine your credit score. It’s not unusual for your score to be different with each of these agencies.
At CarFinance 247, we work with a panel of lenders who use different credit reference agencies to determine whether they can approve you in principle. As you can’t be certain which of the three agencies your lender uses, it’s good practice to check your credit score at all three. This can be done for free by heading to Credit Karma (which uses TransUnion data), ClearScore (which uses Equifax) or Credit Club from MoneySavingExpert (using Experian data).
Find out more about credit reference agencies here