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 service offered by TransUnion (formerly Noddle)
- Equifax has a service run by a company called ClearScore
- Experian have a 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. You can also request a hard copy of your credit report, but be mindful that this may take a little bit longer to arrive in the post.
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.
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