Check your credit file
Your credit file contains information about your debts, and other public information shared by lenders. It has details about your bank accounts, loans, cards and any other credit you’ve taken out. It may also have information about other bills, such as utilities and insurances.
Public information such as County Court judgments (CCJs) and insolvencies are also kept on your credit file, making this an ideal place to start searching.
There are three credit reference agencies in the UK:
- TransUnion (formerly Callcredit)
Get a free copy of your credit report online
All three credit reference agencies offer online services that give you access to your credit report:
- Credit Karma is a free service offered by TransUnion (formerly Noddle)
- Equifax has a free service run by a company called ClearScore
- Experian have a free service called Credit Matcher, but this doesn’t include full details of debts
The drawback with these free services is that they include adverts for financial products based on your credit history. If you’re struggling to deal with your debts, just ignore these adverts.
Information on your credit file is held by all three credit reference agencies, but the exact details they have might differ between them. This is because not all lenders share information with all three agencies.
Get a hard copy of your credit file
For £2 you can request a paper copy of your statutory credit report, giving you a full picture of your situation. Contact each of the credit reference agencies separately to find out how to get this.
There are also paid subscriptions to credit reference agencies. We don’t recommend paying for these, but there are free 30-day trials available which can be useful. Just make sure you cancel these before the trial ends as they can cost up to £15 a month.
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