You've really got to use both if you want to be accurate. When I checked mine recently both Experian and Equifax had me 'financially linked' with 2 completely unknown people. Easily rectified though.
Either try the ones that offer free 30 day checks. If not, send them £2 and they will tell you as they are required by law. Just do some research on google. I think I used Credit Expert and paid for the simple £2 one.
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