Credit Reference Agency is there an "all encompasing best one to use?"

SpideressUK

Is there a "best" Credit Referency Agency to use? - I have used two of the seemingly free ones so far "Clear Score" and "Credit Karma" - I understand that the "rating" they give it not consistent as they all score things differently but so far I have found some different data on hard searches/apparent loan applications etc (as well as some of the same data) on these two free ones and wondered if there was just one main "all encompassing" one which I should use which would just tell me everything held on our credit reference?

"checkmyfile.com" seem to be charging £14.99 per month

"equifax" seem to charge £7.95 per month

"experian" seem to charge £14.99 per month

"transunion" www.transunionstatreport.co.uk appear to be free but also seems to link to "credit karma" (seemingly also free) and might have been called "noddle"

"clearscore" seem to be free

and there may be others...........oftehn the ones that charge seem to give you a free month.

[Deleted User]

You need to check all three. The best way is via the free routes - MSE Credit Club (Experian), Clearscore (Equifax) and Credit Karma (TransUnion).

MovingForwards

All the free ones mentioned above as not all financial institutions report to all CRAs.

george9071

There is quite a few different ones to go for;

MSE credit club
Clearscore
Credit Karma
Totallymoney
Halifax Credit Checker (Only halifax customers if i am not mistaken)
Capital one creditwise 
They are all good and free!

Fighter1986

MSE Credit Club checks Experian for Free. Also has a loophole wherby you can close the account and signup a fresh to obtain a new report more frequently than every 30 days.
Equifax - free to obtain a new statutory credit report every day online.
Trans Union - free to obtain a new statutory credit report every day online.

That covers all three of the UK's credit reference agencies. 

SpideressUK

Thank you everyone :-)