Callcredit Information
Callcredit Information, now operating as TransUnion UK, is a Leeds-based UK credit reference agency providing consumer credit reports, business data analytics, and Open Banking solutions. It serves consumers, financial institutions, and partner platforms following its 2018 acquisition by TransUnion LLC.
- Company typePrivate
- Founded2000
- HeadquartersLeeds, United Kingdom
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Callcredit Information does
Callcredit Information, founded in 2000 in Leeds, United Kingdom, is a consumer credit information management and direct marketing services provider that today operates as TransUnion UK following its 2018 acquisition by TransUnion LLC (NYSE: TRU). The company is one of three main UK credit reference agencies, authorised and regulated by the Financial Conduct Authority under registration number 737740, and provides statutory credit reports to consumers together with credit scoring, monitoring, and identity services. It aggregates consumer credit data from multiple lender and data sources to deliver credit reports, fraud protection, and identity verification to UK consumers and lenders.
Its core products include the Statutory Credit Report, Free Credit Monitoring, the CreditView Solution (an award-winning business platform for customer engagement), a next-generation Open Banking Platform delivered with Bud Financial, the Consumer Pulse Study market research product, and the Credit Scores Explained educational pack for secondary schools and universities. Underlying technology is a credit reference agency platform that ingests and analyses consumer credit data to generate reports, scores, and analytics for lenders and partners.
The business model combines several revenue streams: B2B subscriptions for credit data and analytics sold to financial institutions via CreditView and related products; affiliate and referral fees generated when consumers sign up through credit broker partners Checkmyfile, Credit Karma UK, and TotallyMoney; consumer subscriptions routed through partner platforms; and broader data monetisation within FCA regulatory frameworks. Distribution combines a self-serve direct-to-consumer website (transunion.co.uk), credit broker channel partners, enterprise direct sales to financial institutions, and access to TransUnion's global network across 30+ countries. After the 2018 acquisition, Callcredit/TransUnion UK also wholly owns Checkmyfile and operates TransUnion International UK Limited as its core FCA-regulated subsidiary.
Callcredit Information firmographics
Firmographics- Name
- Callcredit Information
- Legal name
- TransUnion Information Group Limited
- Website
- https://callcredit.co.uk
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Callcredit Information, now operating as TransUnion UK, is a Leeds-based UK credit reference agency providing consumer credit reports, business data analytics, and Open Banking solutions. It serves consumers, financial institutions, and partner platforms following its 2018 acquisition by TransUnion LLC.
- Ownership category
- akta.pro rank
Callcredit Information industry classification
Industry- Product category
- Credit Information Services
- NAICS
- Credit Bureaus (561450), Credit Bureaus (56145), Activities Related to Credit Intermediation (5223), Other Activities Related to Credit Intermediation (522390)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)
- akta.pro secondary industries
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB), Credit File Dispute Management & Consumer Data Remediation (FSAKAKAI)
Keywords
Where Callcredit Information is headquartered
LocationHeadquarters
- HQ city
- Leeds
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Callcredit Information business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Consumer Credit Report Subscriptions: TransUnion generates revenue through consumer-facing credit report products. Statutory credit reports are provided free, while enhanced products with credit scores and educational features are offered through partner platforms on subscription basis (e.g., Checkmyfile free trial then paid monthly).
- Affiliate/Referral Fees from Credit Brokers: TransUnion receives fees when consumers sign up through credit broker partners including Credit Karma UK Limited and TotallyMoney Limited who direct consumers to TransUnion credit services.
- B2B Data and Analytics Services: Enterprise-grade credit data, analytics, and risk assessment solutions sold to businesses and financial institutions through CreditView and other business products.
- Data Monetisation: As a credit reference agency, TransUnion monetises credit reference data provided to lenders, businesses, and consumers under regulatory frameworks including FCA regulation.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Free | Free Statutory Credit Report |
| Subscription | Monthly | Partner Platform Products (e.g., Checkmyfile) |
| Freemium | Free | Credit Karma and TotallyMoney |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Callcredit Information product offering
Product offeringCore offering
Callcredit Information is a UK-based credit reference agency that provides consumer credit information management, credit reporting, and direct marketing services. The company supplies credit reports, credit risk analytics, and open banking data solutions to financial institutions and lenders, while also offering statutory credit reports and credit monitoring tools to individual consumers. Operating as part of TransUnion in the UK, it is FCA-authorised (registration 737740) and headquartered in Leeds.
Product overview
TransUnion UK operates as an information and insights company offering a comprehensive portfolio of credit-related products and services for both consumers and businesses. The consumer offerings include Statutory Credit Reports, free credit monitoring, and educational resources like the Credit Scores Explained pack for secondary schools. For business clients, the company provides CreditView Solution (an award-winning platform for customer engagement) and an Open Banking Platform developed in partnership with Bud Financial. The company also conducts market research through its Consumer Pulse Study. These products work together to provide a complete ecosystem for credit information, consumer insights, and financial decision-making support.
Differentiator
Problem solved
Functional benefit
Products and services
- Statutory Credit Report
Companies that use Callcredit Information
Customer profileSegments4 records
Ideal customer profiles3 records
Callcredit Information technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Callcredit Information partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- CheckmyfilecoreCredit report partner displaying TransUnion credit data alongside information from the other two main UK credit reference agencies (Equifax and Experian) in a consolidated format. Checkmyfile offers a free trial followed by paid monthly subscription. TransUnion receives a fee when consumers sign up through this partnership.
- Credit Karma UK LimitedcoreCredit broker partnership providing free credit scores (updated weekly) and full credit reports through Credit Karma's platform. The platform also shows card and loan offers consumers may be eligible for. TransUnion receives a fee when consumers sign up. Credit Karma is a credit broker, not a lender.
- TotallyMoney LimitedcoreCredit broker partnership offering free live credit scores and reports updated when consumers log in. The platform provides tips on improving credit scores and shows card/loan offers with acceptance likelihood indicators. TransUnion receives a fee when consumers sign up. TotallyMoney is a credit broker, not a lender.
- Bud FinancialcoreStrategic fintech partnership to deliver next-generation Open Banking platform. TransUnion and Bud Financial are collaborating to develop enhanced Open Banking capabilities for financial services customers, combining credit data with banking transaction data for improved risk assessment.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Callcredit Information competitors and assessment
Company assessmentDirect peers
- Checkmyfile: UK multi-CRA credit report aggregation service owned by TransUnion (per company history). Aggregates data from all three UK credit reference agencies, including TransUnion's own, making it both a subsidiary and a customer channel that competes with single-CRA offerings.
- Creditsafe: Global business credit reporting and B2B data provider with strong UK and Nordic presence. Competes with TransUnion's B2B credit analytics offerings in commercial credit decisioning, company risk assessment, and international business data.
- Equifax UK: The third major UK credit reference agency alongside TransUnion and Experian. Competes head-to-head in consumer credit reports, B2B credit risk analytics, and identity verification services for the same UK lender and consumer customer base.
- Experian UK: One of the three principal UK credit reference agencies and TransUnion's largest direct competitor in consumer credit reporting, B2B data analytics, and fraud prevention. Directly comparable product set including statutory credit reports, credit monitoring, and enterprise data solutions.
- Credit Karma (UK): UK arm of Credit Karma offering free credit scores and reports through partnership with TransUnion. Operates a similar freemium consumer credit model with affiliate revenue from financial product referrals, mirroring TransUnion's partnership-driven consumer strategy.
- TotallyMoney: UK credit broker platform offering free live credit scores and reports in partnership with TransUnion. Operates a similar freemium consumer credit model with card and loan offer aggregation, making it a direct channel partner and comparable consumer-facing business.
Broad incumbents
- CRIF: Italian-headquartered global credit bureau and business information provider expanding across Europe including the UK. Operates a similar consumer and business credit bureau model and competes with TransUnion in B2B credit analytics across multiple European markets.
- FICO: US-headquartered credit scoring and analytics company whose FICO Score is widely used across UK lending decisions. Comparable as a credit analytics provider serving the same lender customer base, though operates upstream in scoring rather than credit data aggregation.
Emerging players
- ClearScore: UK fintech offering free credit scores and reports with a modern digital UX, originally powered by Equifax data. Represents a fintech-led consumer-facing challenger that has reshaped UK consumer expectations for credit data access, comparable to TransUnion's consumer credit report offerings.
- Bud Financial: UK-based Open Banking platform that is TransUnion's strategic co-development partner. Operates in adjacent open banking data territory and represents both a partner and a potential competitor in next-generation financial data analytics for lenders.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Callcredit Information social profiles
Digital presenceCallcredit Information compliance and trust
Trust signalCompliance1 record
Callcredit Information financial estimates
Financial estimateRevenue estimate
Valuation estimate
Callcredit Information leadership team
Management profileNumber of profiles
Callcredit Information subsidiaries and ownership
Company hierarchySubsidiaries2 records
Callcredit Information funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Callcredit Information M&A and investment
M&A and investmentM&A6 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Callcredit Information
What does Callcredit Information do?
Callcredit Information is a UK-based credit reference agency that provides consumer credit information management, credit reporting, and direct marketing services. The company supplies credit reports, credit risk analytics, and open banking data solutions to financial institutions and lenders, while also offering statutory credit reports and credit monitoring tools to individual consumers. Operating as part of TransUnion in the UK, it is FCA-authorised (registration 737740) and headquartered in Leeds.
Is Callcredit Information a public or private company?
Callcredit Information is a private company. It is classified as corporate owned and is currently operating.
When was Callcredit Information founded?
Callcredit Information was founded in 2000. It employs 501 to 1,000 people.
Where is Callcredit Information based?
Callcredit Information is headquartered in Leeds, United Kingdom, in the Europe region.
How does Callcredit Information make money?
Four revenue lines are on record. Consumer Credit Report Subscriptions are the primary driver. The others are affiliate/Referral Fees from Credit Brokers, B2B Data and Analytics Services and data Monetisation.
Who are Callcredit Information's main competitors?
Direct peers on record are Checkmyfile, Creditsafe, Equifax UK, Experian UK, Credit Karma (UK) and TotallyMoney. Broad incumbents are CRIF and FICO. Emerging players are ClearScore and Bud Financial.
Does Callcredit Information have an API?
No public API is recorded for Callcredit Information.
What industry is Callcredit Information in?
Callcredit Information's product category is Credit Information Services. Its primary akta.pro industry code is FSAKAKAA, Credit Bureaus & Consumer Credit Reporting Agencies, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 561450 and its SIC code is 7320.