💳 Credit Score
How to Get a Free Credit Report in the UK
You have a legal right to view your credit information in the UK. Here is how to access your full report without paying.
Likely causes
- Unsure which agency to use
- Not knowing about the free statutory report entitlement
- Confusing a score check with a full report
Step-by-step fix
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1
Use free online services
Experian.co.uk (Experian data), ClearScore.com (Equifax data), and CreditKarma.co.uk (TransUnion data) all provide free ongoing access to your credit report.
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2
Request your statutory credit report
Each of the three agencies must provide a full statutory credit report for £2 or free online via the services above. Look for the "statutory credit report" option on each agency's website.
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3
Check all three agencies
Lenders report to different agencies. A complete picture requires checking Experian, Equifax, and TransUnion.
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4
Look at the full report, not just the score
The detailed report shows every account, payment, and search on your file. This is far more useful than the headline number.
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5
Download and save your reports
Download a PDF copy for your records. This is useful if you need to dispute an error later.