How to access your credit report and credit score totally free of charge

No Subscription, No Credit Card Required, Access your Credit Report for FREE

You can access your Credit Report and Credit Rating Score totally FREE with all three of the UK Credit Reference agencies. Get Instant access to your Equifax, TransUnion and Experian Credit reports.

free credit reports

Access your Credit reports for FREE forever

Your FREE Equifax Credit report

free Equifax credit report

free Equifax credit report

you can access your Equifax credit report for free with 2 companies. Credit Wise by Capital One, it’s free to sign up and updated every single month or by using Clear Score, again totally free to sign up and updated every single month

FREE Equifax Credit Report

Your FREE Experian Credit report

free Experian credit report

free Experian credit report

you can access your Experian credit report for free at Money Saving Expert.  it’s free to sign up and updated every single month, it also has a range of tools to help you understand more about your credit rating.

FREE Experian Credit Report

Your FREE TransUnion Credit report

TransUnion Credit report

TransUnion Credit report

You can access your TransUnion (formerly Call Credit) credit report for free. Noddle offers you totally free access to your Credit report and Credit score and helps you understand everything you need to know about your credit report.

FREE Call Credit Credit Report

How to improve your Credit report and Credit rating

Your FREE Credit report and Credit Rating Score

It’s your Credit report, It says everything about you, How you run your finances, How much debt you have and how many times you have applied for credit in the past year. You will just need to confirm your identity and you can then access your credit reports for free. The best bit is they are updated for free every month too!

Some companies charge a monthly Subscription for Accessing your Credit report, thankfully you can do this for FREE and save up to £14.99 per month per subscription.

You may not realise it but your credit rating is very important

Your Credit report is very important, it’s the difference between you paying your Car or Home insurance in monthly instalments rather than one lump sum – Your credit rating may also be used to decide whether or not you can rent a home.

If you are applying for a Credit Card, Personal Loan or Mortgage your Credit report will be accessed to access your ability to make repayments. You could even find your Credit rating being taken into consideration when you apply for a new job.

Many things in life now depend on your Credit rating, –  Your credit rating is a picture of your financial health and it’s important to look after it, to ensure it’s up to date you should check your Credit report monthly.

Your Credit Report and Credit Rating score for free

free credit reports

Staying in control

By joining all three of the Credit reference agencies shown above you can access your credit report for free. It will help you understand what your financial health is showing about you.

If you have been declined for credit in the past 12 months it could be due to information contained within your credit report.

No Monthly fees

Some services require an ongoing monthly fee to check your credit report. The services listed above will offer you totally free access to both your credit report and your credit rating score.

What your FREE Credit report includes

Just like a premium monthly subscription your FREE credit report contains information about your financial conduct over the past six years. It will show your Credit agreements and your repayment history, It will also include details of any Credit Searches made by companies following applications you have made.

What does your Credit Score mean?

Want to know more about your credit rating?

Ever wondered what goes into the score about your credit rating? Some people believe that just because a Credit reference agency doesn’t lend money you should totally ignore the credit score they generate.

In actual fact because the credit reference agencies have access to everyone’s credit information they are basing that score the generate against millions of others and showing you a true reflection of how they score you against other people.

It’s not a true indication to be used when applying for credit but it does have a relevance, To find out more, click the Find button below.

Find out what your Credit Rating means
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