Who is in control of my credit report?
There are three major credit reference agencies (CRAs) that contain information regarding your credit history. The credit agencies within the United Kingdom are Equifax, Experian and TransUnion (formerly known as Callcredit). When applying for credit with your bank or for a contract with a mobile provider for example, a provider will source your credit information (rated as a score) from one, two or perhaps all three agencies.
These agencies hold information on your credit cards and other loans, as well as all regular payments you make from your mobile phone contract to your utility bills. They show whether you have made your payments on time and if you keep your finances in order.