No. The information obtained by the CRAs from public sources, such as Electoral Roll data, Bankruptcies and County Court Judgments, should be generally similar. However, information supplied to the agencies by lenders may well be different. Some lenders supply data about their credit accounts to all three CRAs, however others only supply data to one or two agencies. The CRAs also retain a record of every search performed on their database. These are shown on your credit file in the Credit Search History section. Lenders normally search the files of one CRA (although some use multiple agencies) therefore the searches visible on your TransUnion credit file probably won’t appear on your Experian or Equifax file, and vice versa. We recommend that you obtain a copy of your credit file from all three CRAs on a regular basis, to ensure the information held is accurate.
Do the credit reference agencies (TransUnion, Experian and Equifax) hold identical information about me?
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