Free credit report

: Credit check

At annualcreditreport.co.uk we believe that everybody should have free access to their online credit file every year. An online credit report from annualcreditreport.co.uk is easy to understand, but if you need any help, our free, impartial advice is only a phone call or email away.

annualcreditreport.co.uk was set up to help raise awareness of the importance of checking your credit file and understanding what your credit rating actually means to you.

Whenever you apply for credit, be it a loan, mortgage or credit card, lenders will access your credit file to assess your credit rating and credit score. Your credit score is based on data held by one of the three credit reference agencies in the UK which shows your credit history and the way you have managed repayments on any credit accounts you have had in the past six years.

Just some of the accounts that are recorded on a credit file include your mortgage, credit cards, loans, contract mobile phones, hire purchase, mail order accounts and store cards.

You will also see whether you are listed on the credit reference agency version of the electoral roll, and whether there are any County Court Judgments, bankruptcy or insolvency records recorded against you.

Lenders then use this information to assess your credit rating, using their own credit scorecard. Often, this will determine not only whether you are accepted or not, but also the interest rate that you will be asked to pay.

Generally speaking, the better the credit your credit rating is, the more likely it is that you will be able to obtain cheaper credit.

You can view your easy-to-understand free credit report online completely for free with annualcreditreport.co.uk. Signing up is easy. We won’t ask you to enter your credit card details, all the information is presented in an easy to understand format.

Each section of your free online credit report is colour coded to help you understand what the information really means. The more green you see, the better your credit rating is likely to be.

Once you’ve viewed your credit report online, should you have any questions or aren’t sure about anything, we’re only a phone call away. You can reach us on 01872 308645 and speak to an expert analyst – again at no cost to you.

We’ll also help you find cheap credit cards, cheap loan providers and cheap mortgages, each matched to your credit score completely for free – improving your chances of being accepted by a lender first time.

We were the first to use credit scoring as a tool to help consumers find lenders matched to their credit ratings, our expert advice is unbiased on which lenders are likely to accept your credit applications – saving you time and money.

To obtain your credit report all you have to do is tell us your name, address, date of birth and email address, we’ll post you a security code so you can access you online credit report.

In addition to a free credit report each year, you’ll also receive monthly emails that are full of money saving tips.