# 2. Incumbents and challengers: what each measures and misse… (1)

Checks 1 to 4 of 9, each with its evidence

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- **Verify 1: The UK credit information sector is "very h…**: Verify: The UK credit information sector is "very highly concentrated", with…
- **Verify 2: Where an individual had a default on any ac…**: Verify: Where an individual had a default on any account, the three large CRA…
- **Verify 3: More than 90% of credit applications involv…**: Verify: More than 90% of credit applications involved a search at just one CR…
- **Verify 4: In Financial Lives 2024, 10% of UK adults w…**: Verify: In Financial Lives 2024, 10% of UK adults who had checked their credi…
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- **Open Meet the research: 2.1 The three CRAs (E**