Lender Panel Credit Reference Agencies
Lender Panel Credit Reference Agencies

The lender may share information about you and your financial associates with credit-reference agencies (CRAs) and fraud prevention agencies. Your application for credit will be seen by our first lender who will carry out a soft search that doesn’t leave a footprint on your credit file and this search will not be seen by other lenders. This lender may carry out a further search that will leave a footprint on your credit file that may be seen by other lenders.  In the event of an unsuccessful application a second lender may carry out a further search and both searches may leave a footprint on your credit file that may be seen by other lenders.

CRAs will keep a record of any searches or information shared with them. This information may be shared with other lenders, and other organisations that may use the information to make decisions.

The personal information the lenders have collected from you will be shared with fraud prevention agencies who’ll use it to prevent fraud and money laundering and to verify your identity. Further details of how your information will be used by the Lenders and these fraud prevention agencies, and your data protection rights, can be found at Fraud Prevention | Identity Fraud | Protective Registration | Cifas .

You can find out more about CRAs and how they use your information at Credit Reference Agency Information Notice (CRAIN) | Experian  , Credit Reference Agency Information Notice (CRAIN) | Equifax UK  or Credit Reference Information Notice (CRAIN)

You can find out further information in the panel of Lender’s Data Protection Notice below

By continuing and submitting your details on this website you agree to lenders using your information in this way 

Full details of how lenders use your personal information are in the privacy statements below:

Creation Consumer Finance Limited

Creation Consumer Finance Limited. Registered Office: 

4th – 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT (Northern Ireland – company number NI032565). Authorised and regulated by the Financial Conduct Authority. Registration Number 311518.

Privacy Policy  – Data
Protection Notice – How we protect your data| Creation Finance

Credit decision explained – Eligibility – https://www.creation.co.uk/files/Credit_Eligibility_Check_Explained.pdf

Credit decision explained – full decline – https://www.creation.co.uk/files/YourCreditDecisionExplained0921.pdf

Credit reference agency in use: Equifax Limited. Customer Service Centre, PO Box 10036, Leicester LE3 4FS. 0800 014 2955. www.equifax.co.uk


Shawbrook Bank use Equifax and TransUnion (formerly Callcredit) as their reference agencies. Their details are as below:


Equifax Limited


0800 014 2955

0333 321 4043

TransUnion (formerly Callcredit)


0330 024 7574


Click here to view Shawbrook’s Privacy Policy