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’re over 18 years old and have a bank account or taken out a loan, credit card or mobile phone contract, you’ll probably have a credit report. Credit reports are used for many reasons, such as responsible lending, anti-money laundering and fraud prevention. It’s important to check your credit report regularly to monitor your financial health. TransUnion is one of the main credit reference agencies (CRAs) in the UK. It collects and stores information to produce credit reports in the UK.
See your credit information
Getting to grips with your credit information can be confusing. To help, we’ve created a summary that explains what you can see and what it means.
Choose the credit view option that best suits your needs
Always Free
Statutory credit report
A legal right under the Consumer Credit Act (1974) and UK General Data Protection Regulation (GDPR) (2018) — a free copy of your credit file information held by any credit reference agency.
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Credit report with additional features
A credit report which is based on the same information as your statutory credit report, but with additional benefits such as a credit score, optional monitoring alerts and educational features from a partner*
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Credit score
A number calculated from the information in your credit report and borrowing history that reflects how you manage credit, giving an indication of how your creditworthiness may be viewed by lenders.
How your credit information works
Your top questions answered
You can request a copy of your Statutory credit report to view the information held about you on your credit file.
Your Statutory credit report contains information, such as:
- Personal information, including your address history
- Electoral register information
- Credit accounts (such as loans, mortgages, and credit cards) and payment history
- Public record information, such as CCJs, bankruptcies and IVAs
- Searches recorded on your credit report
- Financial associations and aliases (other names you may be own as)
- Notices of correction
Your credit score is based on the information in your credit report. The score shown is calculated by TransUnion and is designed to give you an indication of how your financial behaviour reflects your overall creditworthiness. Several factors contribute to your TransUnion credit score, including your financial account performance history, public records such as judgments, bankruptcies, and insolvencies, your outstanding debt levels, credit limit usage and whether you're registered on the electoral register. Your score now looks at how you manage credit over time, not just at a single moment, offering a fuller picture of your financial behaviour. The new score offers richer insights and more personalised recommendations that empower smarter financial decisions, giving you confidence that your score reflects your actual credit health.
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