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How to check your credit report

You can check your credit report through credit reference agencies (CRAs), such as Experian, Equifax and TransUnion.

Why should you check your credit report?

Checking your credit report can give you an insight into your borrowing history. 

You’ll be able to see the information banks and other lenders use when deciding if they’ll lend to you or not. 

It gives you the opportunity to improve your credit score before you apply for credit, which could increase your chances of being approved.  

What does your credit report show?

Your credit report includes:

  • your name, address and date of birth
  • your registration on the electoral register
  • how much you owe lenders, including any joint loans, mortgages or overdrafts
  • any missed or late payments
  • any County Court Judgements (CCJs) you have had
  • whether your home has been repossessed
  • if you’ve ever been declared bankrupt

Your credit report does not include:

  • your income
  • the amount of money you have, including savings
  • any student loans you have
  • your criminal record
  • your medical history
  • parking or driving fines
  • late or missed council tax payments

Does checking your credit report affect your credit score?

You can check your credit report as often as you like, and it won’t affect your credit score. 

It’s only impacted when lenders do a hard credit check, which generally happens when you apply for credit – not when you check your own credit report. 

Explore: Hard vs soft credit checks: What's the difference?

How much does it cost to check your credit report?

By law, all CRAs have to provide you with a copy of your credit report for free.

Ways you can check your credit report

The 3 main credit reference agencies in the UK are Experian, Equifax and TransUnion. Each collect data in a different way, so your credit score can vary depending on which CRA you’re looking at. 

How to check your credit report online

You can make online requests directly from as many of the CRAs as you like:

You may need to create an account with each of the providers to be able to access your credit report.

How to request a paper copy of your credit report

If you’d prefer a paper copy of your credit report, you can contact the CRAs direct:

Written requests should include:

  • your name (and any other names you have been known by, such as a maiden name)
  • your full address (and any other addresses you have lived at in the past 6 years)
  • your date of birth

How to raise a dispute on your credit report

Checking your credit report regularly can help you make sure the information included is accurate. If it’s not, you can make that known.  

To raise a dispute, you’ll need to contact the CRA directly. They’ll be able to let you know the next steps you need to take.