To be able to access both your Experian credit report and score free forever, you can sign up to the Money Saving Expert Credit Club. You can also see how likely you are to be accepted for the best rates on cards and loans and work out how much you can afford to borrow.
Like Experian, Equifax offers a free day trial of its full credit monitoring service. Alternatively, you can get your Equifax report and score free for life through ClearScore. This also advertises loans and cards you are likely to be accepted for.
Signing up to a free trial with CheckMyFile will give you access to all the information held on you by TransUnion formerly Callcredit , Experian and Equifax for 30 days. Each credit reference agency uses its own scoring system. The table below shows the scale each one uses and what a particular score means in terms of your creditworthiness.
Money Compare content is hosted by Which? Limited on behalf of Which? Financial Services Limited. Here are a few ways:. A VantageScore is one of many types of credit scores. If you find information you believe is inaccurate or incomplete on your credit reports, contact the lender or creditor.
Free 14 day trial. Note Moneyfacts. How do lenders use a credit score? What information is held by credit reference agencies about me? Your addresses held on the electoral roll including the dates of registration.
In England, Wales and Northern Ireland details of any bankruptcies, debt relief orders, individual voluntary arrangements and debt administration orders. In Scotland, these records include decrees, DAS debt payment programmes, sequestration orders and trust deeds. For the UK, county court judgements CCJs are also listed — these remain on file for at least six years. Information about your credit accounts, including your bank account if you have an overdraft, credit cards, loans and mortgage accounts.
This also includes utility debts — any failed or late payments will stay on your file for at least six years. The trade association UK Finance shares data with these agencies about repossessions. If you have applied for credit jointly with another person or have a joint bank account, then this will show on your credit file.
This is called your financial associations. Lists of any organisations that have searched your credit file in the past 12 months. Any former addresses you have lived at. How to get your credit report for free You can get a free copy of your credit file — known as your statutory credit file — from any of the credit reference agencies.
Other credit check FAQs Who else might use my credit score? Can I change my credit file if something is wrong? What should I do if I am refused credit? How does fraud affect your credit rating? How long does a debt management plan affect your credit rating? Moneyfacts tip Moneyfacts tip. We use your data and our credit know-how to help find deals that are right for you. Thank you for your feedback.
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