This is because each CRA independently updates and maintains information and supports data from a slightly different group of lenders. Even errors (although rare) in the data can occur in one CRA, but not in another. The only way to know the status of your credit information is to check for yourself. If you are turned down – either for an agreement in principle or for a formal mortgage offer – it is highly recommended that you check your credit information before you set off to apply elsewhere. Not only does it tell you if there are any obvious mistakes that lenders may not want to see, but it can also help you get accepted for some of the best mortgage deals. This is not a guarantee that the lender will definitely accept a mortgage application from you.