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 access the information CRAs hold about you for free either by applying online or by submitting a form by post:​

TransUnion

TransUnion Online Statutory Credit Report - Get Your Statutory Credit Report (transunionstatreport.co.uk)

Submit form by post: Please download the request form here, and sending it to TransUnion at the address below:​

TransUnion Consumer Services Team ​
PO Box 647​
Unit 4​
Hull HU9 9QZ​

Experian

Experian Online Report - Statutory Credit Report | Experian​​

Or by downloading the request form here, and sending it to Experian at the address below; ​
Customer Support Centre​
Experian Ltd​
PO Box 8000​
Nottingham​
NG80 7WF​

Equifax

​Equifax Online Report - https://www.equifax.co.uk/Products/credit/statutory-report​

Or by downloading the request form here, and sending it to Equifax at the address below;​

Equifax Ltd​
Customer Service Centre​
PO Box 10036​
Leicester ​
LE3 4FS​

​Checking your credit report won’t affect your ability to get credit or your credit score, no matter how many times you check it. ​

Please bear in mind that a statutory credit report only displays the credit report information TransUnion holds on you. It does not include a credit score; this is a separate service. If you are interested in seeing your TransUnion credit score, you can find out how here .