Free Credit File - every year
Why access your free credit file online?
Why pay £2 for your statutory credit file, when you can get a more detailed online credit file and expert advice for free on annualcreditreport.co.uk?
As the chart shows, our 2007 Banking and Credit Card Survey revealed how much easier it is for consumers to understand their credit files using our online service, when compared to the slower, less secure process of obtaining a credit file direct from the credit reference agencies by post.
Source: 2007 Banking & Credit Card Survey (4,749 respondents)
You'll get a free credit file not just now, but every year, for as long as you receive our monthly money-saving tips email. It's that simple. There are no gimmicks, no trials, and you don't even have to use your credit card details.
We believe that everyone should be able to access his or her online credit file on a regular basis and free of charge.
By checking your free online credit file carefully every year you can make sure that there are no credit file errors and no early signs of identity fraud. You'll then be able to apply for new jobs, for new accommodation, or for new credit, totally confident that employers, landlords and lenders will make decisions about you based on correct and up-to-date information.
Your free online credit file is one of the most comprehensive available in the UK. It contains electoral roll data, insolvency and judgment data, search information, fraud information registered at your address, and detailed credit history - a record of the way you have managed your finances on loans, credit cards, mortgages and current accounts over the last 6 years. This is all displayed online in an easy to understand format, giving you the ability to check that all information is accurate.
Declined Credit, ID Fraud victim or just curious?
If you have been declined credit, or are worried about identity fraud or are just curious about what's on your free credit file, this service will be invaluable to you, as viewing your free online credit file will present the facts to you.
The pie chart below shows the reasons given by our customers for checking their credit file.
We give independent expert advice in plain English throughout your free online credit file and, if you're looking for credit, we'll even show you the lenders that are most likely to lend to you, on the basis of what's in your free credit file.
This is a completely free service that will increase your chances of getting credit, and will also help you find cheaper credit. We get commission from some (but not all) of the lenders for sending them new, business and that's how we cover our costs of providing the service to you for free.
Help to keep us free
There's no obligation to use our free credit finding services, but if you can, please support us by using the lenders we recommend to you. We don't recommend lenders who won't let us review their services independently, or who refuse to allow us to publish the full costs of their deals, or who other customers have advised us in surveys provide poor service. Not all of the lenders we recommend pay us commission. That means the recommendations we provide are completely independent and unbiased.