A credit reference agency is an independent organisation that holds information about consumers or businesses (or both) to help lenders decide whether to give them credit. The three main credit refere [..]

The agency that stores information on credit ratings and credit history and advises potential lenders on the likely risk involved in lending to you.

These organisations collect information on adult individuals and businesses and use it to give lenders information about potential borrowers in the form of a credit score or rating. The three main credit agencies in the UK are Equifax, Experian and Callcredit.

A company that stores credit ratings that are used by lenders

This is an agency that gathers a person's credit information together and uses it to calculate their credit rating. Potential creditors like banks, credit card companies and other businesses use [..]

A credit reference agency provides financial histories for consumers in the United Kingdom. The agencies have files on most adults that they glean from various sources. The file data typically includes details on any bankruptcy or court judgment against the consumer. The records will also list loan defaults and late payments.

This is a company who gathers all the information about your credit history. The role of a credit reference agency is to make it possible for lenders to quickly make fair, consistent, responsible and profitable lending decisions.

A credit reference agency is an organisation that collects stores and shares personal credit information with other lending and financial institutions. 

Companies that provide information to lenders and businesses, upon request and for a small fee, regarding the credit rating of companies they are considering offering credit to. Credit reports