#credit reports online
Check your credit rating
How do I check my credit score?
Statutory credit reports
Each credit reference agency provides your standard statutory credit report, costing £2, and monthly paid for services that provide extras like your credit score and ID fraud alerts. So even if you can get a credit check online, you may wish to maintain a paid account in order to continuously monitor your online credit report.
To see your entire credit file you need to get your statutory report from each of the three agencies:
You can get your statutory Experian report online or by calling 0844 481 8000
You can get your statutory Callcredit report online or by calling 0870 060 1414
Credit reports can be a vital tool for managing your finances, but they’re also not as easy to access and use as they should be. Learn how to check your credit rating by reading this summary, or see our guides at the bottom of the page for more.
What is a credit report?
Compiled by the three credit reference agencies – Experian. Equifax and Callcredit credit reports collect information from your current and previous financial providers about the types of credit you’ve had, how much, and your repayments to create a personalised credit report.
When you apply for credit, potential lenders will want to find out whether you’ll be able to repay the debt by running a credit history check. In addition to the information on your application, one tool they will use to decide whether or not you are a reliable borrower is your credit report from credit agencies.
‘Free’ credit reports and ‘free’ credit checks
Just search for ‘free credit report uk’ or ‘credit check free’ and you’ll find a host of supposedly free services offering your credit report online, but how do you know who to trust to get a free credit check online?
Noddle, set up by credit reference agency Callcredit, is a website which offers a free credit report from Callcredit and also recommends certain credit cards and loans based on your online credit rating.
Noddle’s free credit report service shows that the changes we’re calling for as part of the It’s My Report campaign are entirely possible, and Experian and Equifax could follow suit.
However Noddle’s product recommendations don’t tend to cover the whole of market, meaning that better deals may be available elsewhere.
Currently you can get hold of your statutory credit report costs for £2 per credit reference agency. As we recommend checking your reports at least once a year, the minimum financial commitment is £6 a year.
As well as the £2 report, Callcredit, Equifax and Experian also offer ‘free credit check’ online services as temporary introductions to their paid-for services. They typical introductory period is one month, after which you are charged a monthly fee.
Many of the biggest credit reporting agencies offer free credit checks for 30 days before paying a monthly fee, so in reality the marketing of “credit check free” or “free credit report UK” is not going to help you if you need another credit check a month or two down the line.
A free credit rating check may only be useful if you just want a one-off look before you apply for a mobile contract or credit card and don’t want to risk a rejection further harming your credit search. If you are interested in more information about this, read more in our guide to free credit reports.
Check your credit rating with all three agencies
Whether you get a free credit check online or pay for it, different credit reporting agencies will have different methods of checking your credit score. A Callcredit check will different than an Experian credit report.
A credit history check can also reduce your vulnerability to online fraud and improve your security against identity theft.