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A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, a Special Accessing Entity in the Philippines, and also to private lenders. [1]
National Hunter is a British credit fraud checking agency that operates an "anti-fraud data sharing system", operated by Experian Decision Analytics, [1] on behalf of its members, around 90 British financial institutions, including banks, building societies, mortgage lenders and finance companies. [2]
A credit reference is information, the name of an individual, or the name of an organization that can provide details about an individual's past track record with credit. Credit rating agencies provide credit references for companies while credit bureaus provide credit references for individuals .
An ancillary credit business is defined in Section 145 of the Act as any business that works in credit brokerage, debt adjusting, debt collecting, debt counselling or as a credit reference agency. [60] Credit brokers are people involved in negotiating deals between potential debtors looking for credit and creditors, normally in exchange for a ...
Credit scoring is closely regulated in the UK, with the industry regulator being the Information Commissioner's Office (ICO). Consumers can also send complaints to the Financial Ombudsman Service if they experience problems with any Credit Reference Agency. [31]
ClearScore launched on 15 July 2015. It was the UK's first service giving consumers access to their credit score and report. [5] Its initial offering provided credit scores and reports, and in July 2015 the company added credit card offers to its site, and in September 2015 it added personal loan offers.
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