Credit Reports

dippyjones

Is it a matter of preference or do they all hold the same information?

Need to access it to ensure I 'know' my creditors but don't want to have to pay the fees as I am not a newbie!

[Deleted User]

They will likely all hold different information, as lenders report to and search any combination of the three.

Don't pay fees - go through the free channels, or £2 at worst.

Plutonomics

I currently have a Noddle.co.uk account which is free and uses Callcredit data along with Lloyds Identity monitor which uses Experian. I've just compared and they both hold identical creditor data (though I can't say for certain this is the same for every person on every credit reference agency).