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How to 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 lenders use when deciding if they’ll lend to you or not. 

Who has your credit report?

Credit Reference Agencies (CRAs) are organisations that collect information about your credit history. They hold data around your accounts and credit applications, and they may also hold information around your financial habits.

The 3 main credit reference agencies in the UK are Experian, Equifax and TransUnion. Each collect data in a different way, which is why your credit score can vary depending on which CRA you’re looking at. The information CRAs hold is bound by the Data Protection Act, so must be accurate and kept secure. 

How to access your credit report

You can access your credit report through one (or all) of the CRAs. You can request a copy of your credit report online, in writing or verbally. If you do ask verbally, it can be useful to follow this up in writing.

You can make online requests directly from one or all of the 3 CRAs at:

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

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
If you're requesting a copy of your credit report in writing, you can write to one (or all) or the CRAs at:
Experian Equifax TransUnion

Experian Ltd

Customer Support Centre

PO Box 9000

Nottingham

NG80 7WF

0800 013 8888

Equifax Ltd

Customer Service Centre

PO Box 10036

Leicester

LE3 4FS

0800 014 2955

TransUnion

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0330 024 7574

If you're requesting a copy of your credit report in writing, you can write to one (or all) or the CRAs at:
Experian

Experian Ltd

Customer Support Centre

PO Box 9000

Nottingham

NG80 7WF

0800 013 8888

Equifax

Equifax Ltd

Customer Service Centre

PO Box 10036

Leicester

LE3 4FS

0800 014 2955

TransUnion

TransUnion

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0330 024 7574

Does accessing your credit report lower your score?

Checking your own credit report or credit score won’t affect it. It’s only impacted when lenders do a search on your credit file.

There are two types of searches lenders can do – soft credit checks and hard credit checks.

Soft credit checks generally don’t leave a footprint and will often show you the type of rates you could get. They’re likely to be used by comparison sites and by tools (such as calculators on a lender’s site) when checking your eligibility for a certain rate or product.

Hard credit checks leave a visible footprint and generally take place when you apply for credit. 

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

How to raise a dispute on your credit report

Checking your credit report regularly can help you make sure the information it holds is accurate. If there’s incorrect information, you can raise this to have it checked.  

To raise a dispute, you’ll need to contact the CRA directly. Each CRA will have a different method for raising a dispute, but you should be able to contact them online or in writing. They’ll be able to let you know the next steps you need to take.

What next?

Improving your credit score may give you a better chance of being accepted for credit. 

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