Your credit report and score is provided to us by Equifax. They are one of three credit reference agencies in the UK.
These companies collect information on the credit history of individuals. The information comes from lenders, mobile phone companies and utility companies. This information is stored and organised by the agency so that it can be easily used by potential lenders to assess a person’s credit risk.
The other 2 credit reference agencies in the UK are CallCredit and Experian.