You are entitled by law to see your
own credit reference file.
To do this you
need to write to the credit reference
agencies, asking for what is known as
your statutory credit report. This costs
£2 and in your letter you’ll
need to include:
- your full name,
- date of birth,
- current address,
- any other addresses
you’ve lived at over the past
The credit reference
agencies must send you your file within
seven working days of receiving your
below shows the sort of information
a credit reference agency file holds.
Move over the sections with a blue heading
to get a more detailed explanation.
It is also possible
to get instant access to your credit
history via credit rating agency websites
but this does cost more.
For more information
on applying for your credit reference
file and details of the main credit
reference agencies, visit