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The statutory report contains your personal details, info on financial links to other people, whether you're on the electoral roll, the credit accounts you have, any missed payments or defaults, and a list of other recent searches of your credit report (though these only stay on your file for a maximum of one year). All three credit reference agencies will provide you with a statutory report: equifax, experian and transunion. How to cancel: it's easy. Just log in to your account, go to 'settings' then click the big red 'delete my account' button. But if you're leaving we'd love to know why – please email us so we can fix any issues.
How to check your credit report for FREE
Grab your file and check your score for free
Checking your credit report is in good shape is important if you want to get a mortgage, credit card, loan and more. The big credit reference agencies try to lure you in with free month-long trials followed by paid subscriptions, but there's no real need to pay at all. Here's how to check them all for free, plus how MSE's credit club works.
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Why and what you should check
There are three credit reference agencies, equifax, experian and transunion (formerly callcredit), and they all hold information on you which lenders use. Even small errors can cause problems, so it's important you check through your credit report. Most of this is explained in detail in our how to boost your credit rating guide, but below is a quick checklist.
If you no longer have joint accounts with someone, ensure you financially de-link (ie, separate).
Always check your credit reports after rejection. Read why here.
Should I check all three credit reports?
If you're doing a specific application for a company and you know which credit reference agency it uses, it's obviously a priority to check that one. But as a general housekeeping rule we suggest you check all three credit reports at least once a year, because they all have an impact.
Don't worry about over-checking your credit report. Your checks aren't recorded on the report, and it's something that only you and the credit reference agency will know about. Check EVERY detail and do it regularly. PLUS always check before making any big applications to minimise your risk of rejection.
However, if time is short and you can only use one, choose experian (the biggest) or use checkmyfile's free trial to check all three.
Most importantly, you have a legal right to check your credit report. It used to cost £2, but since the new GDPR law came into effect in may 2018, it's now free.
The checks are all done online so they're quick and easy to do (and are much more efficient than the old mail-only method).
The statutory report contains your personal details, info on financial links to other people, whether you're on the electoral roll, the credit accounts you have, any missed payments or defaults, and a list of other recent searches of your credit report (though these only stay on your file for a maximum of one year). All three credit reference agencies will provide you with a statutory report: equifax, experian and transunion.
How to check your full credit report
Credit reference agencies used to make all their money from selling data to lenders. The idea was to help lenders predict your future spending behaviour, which allowed them to assess whether you were a good person to lend to.
Then, some bright spark at the credit reference agencies realised they could generate a business called "consumer credit management". It meant they could start to sell you monitoring products and all the other sorts of data, including your "credit score", for the first time. You may well ask why they sell it to you. Well, it makes them money, and sometimes up to £180 a year.
It used to be that the only way you could check your score for free was to sign up to 30-day free trials of these services, and then cancel before the time's up so you don't get charged. Yet, now, you can check your report on all three agencies for free every month – though they'll make money if you apply for credit cards and loans through them.
Which way you choose to check your report will depend on what's most important to you – a full credit-monitoring service free for 30 days, or a more basic, but free-for-life service. Here's how to do it, broken down by agency.
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Three agencies to check for free credit reports
As mentioned above, lenders will use one of three credit reference agencies – equifax, experian or transunion (formerly callcredit). If possible, check all of them, as not all providers use the same agencies; see below for how to check them for free.
Experian
Experian is the largest credit reference agency. It's commonly used by lenders, so it's likely to be very comprehensive.
You now have two ways to view your experian credit report for free. You can either sign up to see a monthly report with our credit club or you can get it direct from experian by signing up for its 30-day free trial.
Details: MSE's credit club offers full access to your experian credit report for free anytime. You'll be able to see details of all credit accounts you have, searches made against your file, financial associations and linked addresses, plus much more. And you won't ever have to pay for it.
How to cancel: it's easy. Just log in to your account, go to 'settings' then click the big red 'delete my account' button. But if you're leaving we'd love to know why – please email us so we can fix any issues.
Pros: unlike experian's creditexpert below, this is free forever. Also, you'll have access to your experian credit score, affordability score, credit hit rate and more.
Cons: you only get a once-a-month snapshot of your credit report and we can't send you updates every time something changes.
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We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.
Totallymoney is owned and operated by totallymoney limited which is registered in england and wales (company registration number 06205695). Totallymoney limited is an appointed representative of MI money limited, which is registered in england and wales (company registration number 06967012) and authorised and regulated by the financial conduct authority in respect of consumer credit related activities (FCA FRN: 511936). Trading address and registered office: chapter house, 16 brunswick place, london N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.
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Why do I need to know my credit score?
Your credit scores and reports are used by lenders to decide to give you credit—or not. Landlords and employers use them too. Higher scores mean better interest rates and terms on credit cards and loans! Knowing your score and checking it regularly lets you know where you're at. It lets you see sudden changes that might show fraud or identity theft. And it gives you an idea of what loans and cards you could qualify for. Find out what your score is today
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So, let's see, what we have: credit scoring impacts whether you can get mortgages, credit cards, loans and more. Learn how to check your credit report for free with this MSE guide. At free credit scr
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