When you’re looking to borrow money, whether it’s with a credit card, a loan or even a mobile phone contract, the company you’re asking to borrow from will need to be confident that you can afford to repay what you borrow.

This is where credit reference agencies (CRAs) come in – they collect information about you from any banks or lenders you’ve borrowed money from and keep it on your credit file, which lenders can then view. In the UK there are three main CRAs: Experian, TransUnion and Equifax.

Stream Financial Services Ltd uses Experian as its credit reference agency. Please see their website for more information on how they hold/use your data. 

You can contact Experian for further information on the details below:

• Experian Limited website www.experian.co.uk
• By writing to: Customer Support Centre, Experian, PO BOX 9000, Nottingham, NG80 7WP
• By telephone: 0344 481 0800 or 0800 013 8888 

You can also check your credit score from other agencies, including: Equifax and TransUnion.