UK credit reference agencies
The 3 credit reference agencies in the UK are Experian, Equifax, & TransUnion.
They collect financial info from banks, utility companies, and public records, to create credit reports and scores that lenders use to assess creditworthiness.
https://www.clearscore.com/ lets you see your UK score for free
Credit score isn’t that important, but I review the statutory credit report around every 6-12 months to ensure nothing fishy is going on without my knowledge.