Your credit report explained

  • What your credit report contains and why
  • How to check your credit report and correct mistakes
  • The truth about bad credit ratings and credit scores
  • Top tips for improving your credit rating

What's in this guide

What is a credit report?

Which? explains what information is included in your credit report, and why it matters

Credit report myths busted

There's widespread misunderstanding about credit reports. Which? separates fact from fiction.

Checking your credit report

How to check your credit report and correct any mistakes on your credit file

Why do I have a bad credit rating?

The truth about bad credit ratings, plus tips on what to do if you're refused credit

How to improve your credit rating

Expert tips for improving your credit rating and building a good credit history

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.