How to check your credit file

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?

What's in your credit report, who's in charge of it and what it's used for

Why your credit report matters

How your credit report affects your access to credit, as well as the rate you might be offered

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

Credit report resources

Useful contact details for checking and improving your credit report

Which? works for you