Why access your free online credit report?
  
Why pay £2 for your statutory credit report, when you can get a more detailed online credit report and expert advice for free on annualcreditreport.co.uk? You 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 trial, and no payment is required.
  
We think that everyone should be able to access his or her online credit report on a regular basis and free of charge. Because it’s a free online credit report, you don’t even have to provide your credit card or debit card details.
  
You should check your free online credit report really carefully every year. Otherwise lenders, employers and tenants may make decisions about you based on incorrect information.
  
Your free online credit report will contain all your credit information such as the way you have managed your finances on loans, credit cards, mortgages and current accounts over the last 6 years. This data will be shown to you in an easy to understand format, this gives the ability to check that all information is accurate.
  
If you’ve been declined credit, or are worried about identity theft 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 report will give you peace of mind.
  
We give independent expert advice in plain English throughout the various sections of your free online credit report and, if you’re looking for credit, we’ll match lenders that are most likely to lend to you on the basis of what’s in your free credit file, completely free. We get commission from some of the lenders for sending them business and that’s how we cover our costs of providing the service to you for free.
  
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 Credit Reporting Agency customers have advised us in surveys provide poor service. Bear in mind that not all the lenders we recommend pay us commission. That means the recommendations we provide are completely independent and unbiased.