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#What's the difference between Callcredit, Equifax and Experian credit reports?

There are three credit reference agencies in the UK; Callcredit, Equifax and Experian. The vast majority of UK financial institutions share their consumer credit account information with all three on the same date. Credit accounts include mobile phone contracts, store cards, credit cards, over draft facilities, loans, mortgages and any other kind of credit facility. When a consumer goes to apply for a new credit card for example, the financial provider will be able to check their credit history across all of their past credit commitments and know whether they are a safe person to lend to or not. All credit reference agencies offer consumer credit reports which contain credit account information and some public information such as address registered on the Electoral Roll. This means you can see exactly what lenders review when making a decision on whether to give you credit.

If there is a mistake on your credit report it could affect whether you are successful when you apply for credit. Callcredit has a dedicated customer care team that can work with you to correct these mistakes.

If you are looking to apply for credit give yourself enough time to rectify any mistakes that may appear on your credit report. We recommend that you check your credit report monthly so you can see improvements and ensure any mistakes or out-of-date information is corrected.

To see a copy of your credit report now, click here.