Equifax, CallCredit and Experian are licensed and regulated Credit Reference Agencies operating in the UK.
They collect information from a range of credit providers and other third party sources to establish a credit report on individuals. They then analyse the information in this report to calculate a credit score which gives an indication of how likely an individual is to pay back a debt.
When you apply for credit lenders will ask one, two or all three of the credit reference agencies for information. The lender will then assess your suitability for credit based on this information.
The information on a credit report comes from lenders and other third parties and is submitted to all the credit reference agencies. So the information on each report is very similar.
Scores differ in terms of what they are out of and how they are calculated but generally if you are a high score with one credit reference agency then you will most likely be similar at each of the others.
ClearScore shows you your Equifax credit report information and an Equifax credit score.