Callcredit Limited is a credit reference agency. Credit reference agencies collect and store details about consumers and their personal credit history. There are five credit reference agencies in the UK; Callcredit, Dun & Bradstreet, Equifax, Experian and National Hunter. Callcredit was created by Skipton Building Society and supplies information to lenders and other organisations to enable them to establish an individual's credit history, confirm application addresses and monitor significant events which may be indicators of credit risk. In 2009, Skipton sold its interest in the company to Vitruvian Partners, a UK-based private equity firm. Callcredit's areas of business are Credit Risk, ID Verification/Fraud & Anti-money laundering, Collections & Recoveries and Credit Marketing. The company's client base includes legal firms, banks, building societies, finance houses, mail order, telecoms and utility companies. These typically use Callcredit’s services to support applications for consumer credit, however shared financial data from consumers' credit accounts is used to underpin a variety of services including Fraud and Identification products, debtor tracing and over-indebtedness tracking.