Use this guide before applying for a mortgage, loan or rental, after being turned down for credit, or if you suspect identity fraud. Have your current and previous addresses from the last six years, your ID and a list of your credit accounts ready.
Step by step
Get your reports from all three agencies
The main UK credit reference agencies are Experian, Equifax and TransUnion, and each may hold slightly different information. You have a legal right to see your statutory credit report free of charge. Get all three so you have the full picture.
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