Credit reports

Check your credit report is correct to get the best deals for you

Make sure your credit report is correct and up-to-date to get the best deals for you.

  • Why do I need to check my credit report? Lenders check your credit report when you apply for a credit card, mortgage or loan. Checking it regularly to make sure everything's correct and up-to-date will help you make decisions about what credit you want - and it'll also help you protect yourself from fraud.
  • Will it affect my credit rating? No.Checking your credit report is a 'soft search', meaning that only you will be able to see it - lenders won't know you've checked it.
  • Can I improve my credit rating? There are lots of things you can do to improve your credit rating - check out our tips below to find out what you can do
Introductory trial cost
Length of trial
Cost after trial period
ProviderExperian Introductory trial costFree Length of trial30 days Cost after trial period£14.99 per month Apply
Get your free Experian Credit Report with a 30-day free trial from CreditExpert. *New Customers only. A monthly fee of £14.99 applies after your free trial - if you choose to cancel during your trial you will not be charged.
VanquisProviderEquifax Introductory trial costFree Length of trial30 days Cost after trial period£14.95 per month Apply
Get immediate unlimited online access to your Equifax credit file. You'll also get weekly alerts of any significant changes to your credit file. Please note that monthly fees apply to the consumer following the 30 day Free Trial of these products if the user does not cancel within the trial period. The monthly fees are £14.95 for the Free Credit Score and £9.95 for the Free Credit Report. You can cancel your subscription with Equifax at any time.
ProviderCheck My File Introductory trial costFree Length of trial30 days Cost after trial period£9.99 per month Apply
See more than twice the information compared to any other Credit Report in the UK. Get multi-agency credit reports and free identity theft assistance. Your report includes free credit score and rating, and you can compare your credit score against the UK average.

What is a credit report?

When you apply for a credit card, mortgage, loan or any other credit product, the lender needs to know how credit worthy you are - in other words, how likely you are to are to pay them back on time.

Your application will be forwarded to a credit agency, which will match your identifying details - name and address, for example - with information they already hold about you to find out your current financial situation - whether you already owe money to another provider, how regularly you make payments and whether you've ever missed any payments.

The lender will then use this information to decide whether to extend credit to you and, if so, how much and at what rate.

What can I do to improve my credit rating?

Getting turned down for credit can be frustrating, but fortunately there are lots of things you can do to improve your credit score. Every lender scores differently, so being turned down by one provider doesn't necessarily mean you'll get turned down by all the others, too.

  • Are you on the electoral roll? If you're not registered to vote, you probably won't be able to get credit from any lender. You can sign the register online at any time.
  • Have you held credit in the past? The best credit deals are often reserved for those with an excellent credit history, so if you haven't yet built one up you may not qualify. Take a look at our credit building cards to see if you could begin to build your credit history.
  • Have you made lots of applications for credit? Every credit search leaves a footprint on your file. If a lender can see you've made lots of applications in a short space of time then it can damage your credit rating. Space out your applications for credit carefully.
  • Have you missed payments on your existing credit? Missed payments can damage your credit rating as lenders will see it as a sign they won't get back the money they've lent you. If you find you're struggling to meet payments you should always contact the lender- they may be able to change your repayment schedule. If you've already missed payments, you may need to rebuild your credit rating.
  • How much credit do you already have? Lenders will not only look at how much money you've currently borrowed- they'll also look at how much you have available to you, whether or not you're currently using it. So cancel any credit cards you're not currently using and think about reducing overdraft limits if you don't need them.