Credit file
Credit scores & reportsYour full record at a credit reference agency, including accounts, payment history, and public records.
Overview
Each UK credit reference agency keeps its own credit file. Your file can look slightly different across Experian, Equifax, and TransUnion.
Lenders use the file to understand your borrowing history and to calculate a score.
Why it matters
- It is the source data behind your credit score.
- Errors or missing accounts can affect decisions.
- Checking your file helps you spot problems early.
FAQs
Do I have one credit file or several?
You have separate files with each credit reference agency.
Can I see my credit file for free?
Most agencies offer free access to your report, sometimes via partner apps.
Related terms
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