The three main credit reference agencies in the UK are Equifax, TransUnion and Experian. These agencies hold different information on you, they get your information from different sources, and they use different methods to calculate your score, so your score is likely to differ depending on where you get it.
- Your score with ClearScore is using the information provided by Equifax and ranges from 0-700.
- Equifax use a different score model for their customers and this ranges from 0-1000.
- Experian use a score range of 0-1000.
- TransUnion use a score range of 0-710.
Lenders can use any of the credit reference agencies to check your credit score, so it’s worth checking your score and report across the board to make sure your information is correct on all of them.