A credit report is a summary of your credit history and current financial information. It shows how you’ve managed your credit accounts, and any recent credit applications you’ve made.
Banks and lenders use your credit report to help decide whether to offer you credit.
It can include:
- Personal information, such as your name, date of birth, address, and phone number
- Account information, such as how long you’ve had an account, repayment history, and amounts owed
- Credit utilisation
- Defaults
- Judgments
- Enquiries
Different credit bureaus will hold different information about you, so your credit reports can vary.
At ClearScore, we show you the credit report and score provided by Experian. This is updated once a month.
You can check your credit report and score for free whenever you like. This helps you track changes over time and understand your financial position.
It’s a good idea to check your report regularly to make sure the information is accurate and up to date. This can help protect you from identity fraud and understand how lenders might view your credit history.