There are three main Credit Reference Agencies in the UK: Equifax, Experian and TransUnion. We partner with two of these to provide our services.
We partner with TransUnion to provide you with your TotallyMoney Credit Report. TransUnion pull in information from various lenders and public bodies and we provide you with a free to use, easily accessible platform, via which you can access this data. Whilst this is held by TransUnion, they are unable to make any changes to this data without the lender’s authorisation.
To provide you with your Borrowing Power, we partner with Experian. We work with Experian to establish your eligibility for a number of products, using both Credit Report and live market data. This provides you with a real indication on which products you are more likely to be accepted for.