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Why access your free online credit report?

Why pay for expensive subscription services from others, or risk identity fraud by having your statutory credit report sent by post, when you can get a more detailed, secure, online credit report and expert advice from annualcreditreport.co.uk? Once you have paid the one-off setup fee of £5, you will get a free online credit report not just now, but every year, for as long as you receive our regular emails. It’s that simple. There are no gimmicks, no trials to remember to cancel and even if you opt to buy more regular reports from us, you`ll find our prices are the cheapest in the UK.

We think that everyone should be able to access his or her online credit report on a regular basis and free of charge.

You should check your credit report really carefully every year. Otherwise lenders, employers and landlords may make decisions about you based on incorrect information.

Your free online credit report will contain all your credit history such as the way you have managed your finances on loans, credit cards, mortgages and current accounts over the last 6 years. This is displayed to you in a really easy to understand format and gives you the chance to check that everything on your credit report is accurate.

If you’ve been declined credit, or are worried about identity theft or are just curious about what’s on your credit report, this service will be invaluable to you, as viewing your free online credit report will give you peace of mind.

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 report, 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.