Overview: They offer independent analysis and monitoring services on consumer credit files. They deliver credit reference information to anyone with access to the Internet. They provide help text where necessary throughout their website to help those who are not familiar with some of the jargon used in credit. They were the UK's first Internet based provider of consumer credit reference information. Founded in 1998 in Cornwall, they are a privately owned company, funded independently without reliance on any UK institution and has no link to any government agency. They are operated by Credit Reporting Agency Limited, a private company registered in England.

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