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How to Check Your Credit Report
There are three main credit reference agencies (Equifax, Experian and TransUnion), all of which hold information on you in the form of a credit report. Lenders use data from these agencies to assist them in deciding whether your credit application is accepted. So if you’re completing an application to a lender and know which credit reference agencies supply their data, it makes sense to check that one first.
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Note:
If you’re unclear on credit scores and reports, it’s worth reading our article below on before continuing.
Checking Your Credit Report
There are multiple ways of accessing your report. Some paid services will offer access to your report with real-time data, whereas free versions tend to be updated monthly or weekly. For most, the free version will be sufficient.
In a hurry?
Check all three reports through CheckMyFile. It’s free for the first 30 days, but if you forget to cancel, you’ll be charged £14.99 a month.
Experian
Access to your credit score and report, updated daily. It’s free for the first 30 days, then £14.99 a month.
Credit score and report are updated monthly.
Equifax
Access to your real-time report. Free for the first 30 days, then £7.95 a month.
Credit score and report are updated weekly.
Will Accessing My Report Lower My Score?
No, your credit score and report will not be impacted by you accessing them. If anything, it will help you improve your score as you can spot any errors.
Reporting An Error
If the information in your report isn’t accurate, you should contact the credit reference agency that holds the data directly and explain the issue.
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