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Your statutory credit report is free.

A statutory credit report displays the credit report information TransUnion holds on you. Under the Consumer Credit Act (1974) and the General Data Protection Regulation (2018) you have the right to access a copy — free.

Get your free report

Available online or by post.

How to get your report

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Have your details ready

We'll need to know your personal information, including your current address, and any previous addresses to help us confirm your identity. 

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Request it online

Fill in the short request form. It takes just a few minutes and won't affect your ability to get credit.

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What happens next

You’ll get your report online. If we can’t verify you, we’ll explain what to do next.

Prefer post? download the request form and send it to:
TransUnion Consumer Services Team,
PO Box 647, Unit 4, Hull, HU9 9QZ.

What you’ll see in it

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.

Please bear in mind 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’re interested in seeing your TransUnion Credit Score, you can learn how here.

Your TransUnion Statutory Credit Report can include the following information:

  • Financial account information for the last six years, showing both open and closed accounts.
  • If you’re registered on the Electoral Register at your current address.
  • Financial connections you have (or have had) to any address or other names you’ve been known by. This also includes names of other people you have or had a financial connection with, such as a joint mortgage.
  • Any legal court details concerning settlements of money which have been registered against you, such as any judgments, insolvencies or bankruptcies.
  • Details of searches made against your credit report over the past two years. Searches are footprints left by organisations that have requested to see a copy of your credit report from TransUnion. Please separately see What is a search on my credit report? for further details about searches.
  • Cifas is the UK’s fraud prevention service. If you have taken out Protective Registration with Cifas or been registered as a victim of fraud, a Cifas marker will appear on your credit report. Please separately see What should I do if I am a victim of fraud? for more information about fraud prevention.
  • Any Notices of Correction (NOC) statements you’ve added to your credit report to explain information it includes. Please see our FAQs for further details about NOCs.
  • Any Notice of Dispute (NOD) markers you’ve raised where you’re querying the accuracy of specific information on your credit report with TransUnion. Please see our FAQs for further details about disputes.

To understand how the Free Statutory Credit Report differs from credit reports available from our trusted partners — see your options.

 Interested in learning more about credit insights? Explore our educational content to better understand what credit is and how to make it work for you.

Visit the learning centre

Common questions about your statutory credit report

The things people ask us most before requesting their statutory report.

Yes. It’s a legal right under the Consumer Credit Act (1974) and UK GDPR (2018). It’s free and you can request it as often as you like. 

No. Checking your own credit information never affects your credit score or leaves a footprint lenders can see — no matter how often you do it. 

Your statutory report is the full credit file information TransUnion holds on you, but it doesn’t include a credit score or educational features. The credit reports you see through banking apps and partners are based on the same credit information, but typically includes a credit score and educational features which may be displayed differently and be updated at different times. Compare your options.

No — it shows your credit information, not a score. Your credit score is a separate service; here’s how to see your TransUnion score.

Yes. Each of the three main UK credit reference agencies — TransUnion, Experian and Equifax — provides its own free statutory report, and they can hold slightly different information, so it’s worth checking all three.

Still have a question ?

Check out our full FAQs here