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. 

Credit reports are used for many reasons such as responsible lending, anti-money laundering and fraud prevention. 

It is important to check your credit report regularly to keep an eye on your financial health.

TransUnion are one of the main credit reference agencies (CRAs) in the UK. They collect and store information to produce credit reports in the UK. For more information on CRAs please see What is a Credit Reference Agency and what do they do?