Credit report
Credit scores & reportsA record of your borrowing history, repayments, and credit accounts held by a credit reference agency.
Overview
Your credit report includes credit accounts, repayment history, addresses, and public records like CCJs. Lenders review it to assess risk.
Checking your report regularly helps you spot errors early.
Why it matters
- It is the data that determines your credit score.
- Errors can lower your score or affect lending decisions.
- Your report influences approvals for credit, rentals, and utilities.
FAQs
How often should I check my credit report?
Checking every few months is reasonable, especially before major applications.
Does checking my own report hurt my score?
No. Checking your own report is a soft search and does not affect your score.
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