Check your Credit Report
If you’ve been declined credit, or are just curious to see your credit file, you’ve found the right place.
Check your file at any credit reference agency, or all three together, and see your credit report in the same, easy to understand format.
Add your credit score and credit rating and have everything explained in plain English. Find out how to correct any errors, or how to improve your credit, with free help from our easy-to-access expert team.
Select one of the three options below, or click the banner below to see which service suits you best.
This is a good service and the team at cannycredit can thoroughly recommend it.
Single Agency Report
See the information that the UK's largest lenders see when you apply for credit, simply by selecting your Single Agency Report based on either Callcredit or Equifax data – your full credit report. Or, see the information that most UK companies, employers and landlords see by selecting to view your public credit report based on Experian data.
Best for:
- Those looking for a cheap online credit report
Typical reasons to buy:
- You have been declined credit
- You are just curious to see what's held about you
- You are looking for an update on what a specific agency holds about you
Recommended option:
- A report based on Callcredit data will show you the most detail
- A report based on Equifax data will show you exactly what lenders see
- A report based on Experian data will show you only your public data - very little compared to the above options, but will show you what employers and landlords typically see
Key features:
- Low cost
- No trial subscription to remember to cancel
- An option to view your credit score and an expert analysis of your report for just £3.95
- Buy more reports when you feel like it and compare with historic reports
- Freephone expert support if you need it
- A FREE expert credit-matching service, increasing your chances of getting accepted for a credit card or loan
What's included:
- Choose your agency with care - each one reports different levels of information. Remember that Callcredit and Equifax provide the closest to what lenders actually see but Experian only provides public data
Before we can give you access to your credit reports, we need to make sure that it’s definitely you, and not someone else.
When you buy, we ask only for the information that we really need to obtain your credit report. We don’t ask for personal information such as your mobile phone number or mother’s maiden name.
You then have two choices:
- For no additional payment you can opt to have instant access to your credit report by using our online authentication system. This asks questions that only you will know the answers to. To stand the best chance of getting the answers right, you’ll need access to your bank statements and things like your payslip and driving licence.
- If you don’t need immediate access, or if you are unable to answer the online authentication questions correctly, we will send a ‘security key’ letter to you by first class post. This will be sent on the same working day you buy, if before 4.45pm, or if not, the next working day.
The security of your personal information is very important to us. The online authentication system can be reassuringly tough, so not everyone will be able to gain access to their report instantly.
If you attempt online authentication but fail, you will be able to gain access through your security key, which, Royal Mail permitting, will mean a 24 hour delay the first time you buy. But please note that you will be charged the cost of the report, as we will have already obtained these on your behalf.
You will only need to be authenticated when you first use our services, or if you subsequently change address.