In the UK, I didn't see another company than Experian doing credit reports. To know your credit report, you have to subscribe to a 30-days-free-then-£14.99-per

In the UK, I didn't see another company than Experian doing credit reports. To know your credit report, you have to subscribe to a 30-days-free-then-£14.99-per-month thing. And they ask you for tons of info that they can use to improve their file on you. Every time that a business asks a credit report on you it lowers your score for a while. I'm sure the businesses are also paying to get access to your credit report as well. It seems to be a very lucrative business.