There are three Credit Reference Agencies (CRAs) in the UK - Equifax, Experian and CallCredit (TransUnion). All three are dedicated to collecting information on your financial behaviour and how it has impacted your score.
CRAs must share your credit report with you if you request it. It’s good practice to look at all of your credit scores on a regular basis so you can keep an eye on any changes.
They all have different scores but this is completely normal and nothing to worry about. You can get to know your credit score better with free credit reports at ClearScore, TotallyMoney and Noddle.
The credit score we review for your Reward Loan is taken directly from our Credit Reference Agency, Equifax, on the day that you apply for our loan.