Incorporated in March , PRBC enables consumers to self-enroll and build a positive credit file by reporting their on-time payments such as rent, utilities, cable, and phone that are not automatically reported to the three traditional credit bureaus. Interest rates are not the same for everyone, but instead can be based on risk-based pricing , a form of price discrimination based on the different expected risks of different borrowers, as set out in their credit rating. No — credit reference agencies will not decide whether you are to be given credit. Credit reference agencies hold personal information and details about your financial history.
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There are three main credit reference agencies compiling info on us: Equifax, Experian and Callcredit. Apply for credit and lenders will ask one, two or all three of them for information. This guide shows you which lenders use which agency. No – credit reference agencies will not decide whether you are to be given credit. That is the lender’s decision. Credit reference agencies are independent organisations that hold the information that lenders use to decide whether you should get credit. A credit bureau is a collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, Special Accessing Entity in the Philippines, and also to private lenders.