Credit bureaus
4 companies in this category, worst grade first. A category says what a company is; its layer says where it sits in the chain your data travels — Brokers for these — and the scoreboard is arranged by that.
| Grade | Entity | What refusing costs you | Who receives you | Checked |
|---|---|---|---|---|
| EGrade E | TransUnion UK | You have to ask | Categories only | 30 Aug 2026 |
| DGrade D | Equifax UK | You have to ask | Not stated | 29 Aug 2026 |
| CGrade C | Experian UK | A setting, depth unverified | Categories only | 29 Aug 2026 |
| CGrade C | TransUnion (US) / TruAudience | A setting, depth unverified | Sold on | 04 Sept 2026 |