Free Copy of Credit Report

Your credit report is a record of your credit history. It includes things like your credit rating, the credit products you hold, and your repayment history.

Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. Knowing this can help you negotiate better deals or understand why a lender rejected you.

Your credit score is based on personal and financial information about you that’s kept in your credit report. Your credit report also includes a credit rating. This is the ‘band’ your credit score sits in (for example, low, fair, good, very good, excellent).

When you get your credit report, check that:

• All the loans and debts listed are yours
• Details such as your name and date of birth are correct.

If something is wrong or out of date, contact the credit reporting agency and ask them to fix it. This is a free service. You should do this as your first step when you are going to apply for a loan. To Get free copy of your credit report, please contact us.