There are three Credit Reference Agencies (CRAs) in the UK - Equifax, Experian and CallCredit (TransUnion). They all have different scores but this is completely normal. All three are dedicated to collecting information on your financial behaviour and how it has impacted your score.
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. You can get to know your credit score better with free credit reports at ClearScore
, Credit Karma
The credit score we use to review your eligibility for rewards is taken directly from Equifax on the day that you apply for our loan. We’ll always use this score for your Reward Loan, so if you'd like to work on earning a reduced loan rate, take a look at your Equifax credit score. We’ll look at this credit score every three months and if your score has gone up by 25 points, we’ll automatically reduce your loan rate by 2%, as long as you’re up to date with your repayments.