There are significant differences in credit information held by the three big companies, which are "very likely" to affect lending decisions by banks, the FCA said. Equifax said it was reviewing the FCA report, and Experian said it supported a recommendation to improve its coverage of credit information. TransUnion no immediate comment. In the absence of "significant disruptive entry", a combination of industry-led change and regulatory intervention over three years is needed to give consumers a better service by creating a new, broader sector body, the FCA said.