Your personal credit report

A credit report is a factual record of your personal credit history, made up of information from different sources like banks, building societies, local authorities, and courts. If you are over 18 years old and have a bank account or taken out a loan, credit card or mobile phone contract, then you will probably have a credit report.

If you apply for credit, organisations will consider the information in your credit report when deciding whether to approve your application. A healthy credit report improves your chances of being approved for a credit card, mortgage, bank loan or similar credit-related products as well as being offered more favourable rates.

It’s important to check your credit report regularly to keep an eye on your financial health, but it can also help to protect you from identity theft, allowing you to spot if someone has used your details fraudulently to obtain credit.

We’re proud to have co-authored a new in-depth guide with the UK’s other leading credit reference agencies, to help consumers better understand how their credit-related information is used by lenders; Understanding your credit information and how lenders use it

Statutory Credit Report

Under the Consumer Credit Act (1974) and the General Data Protection Regulation (2018) you have the right to access a copy of your credit report information produced by any credit reference agencies (CRAs). As one of the UK’s main CRAs, we do this with what is known as a statutory credit report.

You can request a copy of your statutory credit report either by post here, or online here.

A statutory credit report displays the credit report information TransUnion holds on you, it does not include a credit score or any other educational features that can help you to understand your credit report information in more detail.

TransUnion partners with several organisations including, Credit Karma, TotallyMoney and Checkmyfile, that offer services with additional features. If you would like access to your credit report information and credit score with additional feature You can read more information about each of these services below.

Credit Karma

Through Credit Karma you can get free access to your credit report and score which uses information from TransUnion. Along with your monthly credit report, score and credit rating, Credit Karma helps you identify loans and credit cards suitable to your credit rating and therefore the products you’re most likely to be accepted for.

It only takes a few minutes to fill out your credit report application through the Credit Karma website. Just provide some personal details and run through the simple instructions.

Please note Credit Karma is a credit broker and not a lender.

Checkmyfile

See the bigger picture with an independent view of your credit score.. Checkmyfile combines data from three credit reference agencies giving you a complete picture of what’s reported about you online..

Quickly identify differences between information held at each credit reference agency and understand how this may affect your credit score and future applications. Receive excellent customer support and guidance from UK based Credit Analysts online or by freephone.

Try it free for 30 days, then just £14.99 a month. Cancel easily anytime online, by email or by phone.

TotallyMoney

TotallyMoney is the only place to get your live free credit score and report*. It’s updated when you log in, so you can act fast if there’s anything wrong. They’ll also show you ways to improve your score, which could mean better credit offers in the future. And if you’re looking for credit, they’ll let you know how likely you are to be accepted for cards and loans before you apply, so you’re not left guessing.

It only takes a few minutes to fill out your credit report application — simply visit the TotallyMoney website. Just provide some personal details and run through the simple instructions.

Please note, TotallyMoney Limited is a credit broker and not a lender.

*verify at totallymoney.com/verify

TransUnion receives a commission for each sign up with one of our trusted partners.