There are three main credit reference agencies in the UK – Equifax, Experian and TransUnion. They have different ways of working out your score and can sometimes use information from different lenders. Some credit reference agencies start from 1000 points and remove negative things and some start from 0 and add positive ones. This is why you may have a different credit score with each one.
Your Equifax score
ClearScore gets your credit score and report from Equifax. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has.
Lenders can use any of the credit reference agencies to check your credit score in the UK. It’s best you check your score and report with all of them, to make sure everything is right.
Here are the credit score ranges across the agencies:
- Equifax: 0-1000
- Experian: 0-999
- TransUnion: 0-710.