SSN search not allowed
Dispute mobile phone graphic

Your personal credit report

Get a better understanding of the different ways TransUnion and our partners can help you access your credit report.

See Your Options

What’s in Your Credit Report

Personal Details and Addresses

Your name and any other names you may be known as, your date of birth and your address current and previous.

Credit Accounts and Payment History

Credit cards, loans, mortgages and mobile contracts and any other lines of credit, with your payment history on each. These comprise the heart of your report.

Searches

A record of who has looked at your report and why. Checking it yourself doesn’t leaves a mark lenders can see.

Public records

Court judgments, bankruptcies and insolvencies from courts and official registers. Most stay on your credit report for six years from the court order date, with some exceptions.

Electoral register

Whether you’re on the electoral register — information lenders and other organisations may use to help verify your identity.

Notices and connections

Notices of correction or disputes you’ve added and financial connections to other people, such as a joint account.

It’s important to check your credit report regularly to monitor your financial health; doing so can also help protect you from identity theft.

Test

Who Holds Your Information and Who Sees It

Learn more

Two Ways to See Your Report

Free statutory credit report

Get your free report

  • The full record we hold about you is available free of charge.

Monitor your Credit Report via Partners

Compare partner options

  • Access your credit report anytime, view your credit score and track changes, and get tips to help to build and maintain your credit health.

Spotted Something Wrong on Your Report?

You have the right to challenge information you believe is inaccurate, free of charge. We investigate with the lender and keep you informed.

How disputes work

Your Top Questions Answered

A credit report is a factual record of your personal credit history made up of information from different sources like banks, building societies, local authorities and courts. If you’re over 18 years old and have a bank account or taken out a loan, credit card or mobile phone contract, you’ll probably have a credit report. Credit reports are used for many reasons, such as responsible lending, anti-money laundering and fraud prevention. It’s important to check your credit report regularly to monitor your financial health. TransUnion is one of the main credit reference agencies (CRAs) in the UK. It collects and stores information to produce credit reports in the UK.

Different types of information stay for different lengths of time: Financial accounts appear for up to 6 years until settled and closed (defaults show six years from the default date); Electoral Register history is visible to searchers indefinitely (your report shows the most recent unbroken stretch); previous addresses/names stay as long as necessary and relevant; financial connections stay until you request disassociation; judgments, bankruptcies and insolvencies appear for 6 years from the court order date — except judgments paid within 1 month ('set aside'), and  Bankruptcy Restrictions Orders (BROs)/Bankruptcy Restrictions Undertakings (BRUs) and Individual Voluntary Arrangements (IVAs) can appear for up to years; searches show for 2 years; a Cifas marker stays as long as necessary to prevent fraud (2 years with protective registration); a Notice of Correction appears while the data it refers to is on your report; a Notice of Dispute marker stays up to 28 days. TransUnion adheres to data retention rules under current UK data protection regulation and is regulated by the Information Commissioner’s Office (ICO). For more information on how TransUnion use data, please see Credit Reference Agency Information Notice (CRAIN) and to find out how long we retain it visit CRAIN-retention.

A search is a footprint left behind by any entity that has requested to see a copy of your credit report from a UK Credit Reference Agency (CRA). It confirms which organisation searched you, what personal information was used, when and why. Reasons include assessing creditworthiness when you apply for a product (credit card, mortgage, loan) or completing identity/anti-fraud checks. A search is only completed by an organisation with your permission, and searches are removed automatically after two years. If you don't recognise a search, it may be from a wider business group (e.g., (e.g., a 'Very' credit account may appear as 'Shop Direct Finance Company Ltd' '). TransUnion isn't told the outcome of a search. You should contact the organisation directly or raise a dispute if you believe information is inaccurate.

Still have a question?

Check out our full FAQs here