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

Your credit report plays a big part in determining whether or not you can access financial products. But there's widespread misunderstanding about them. Which? separates credit report 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 Ltd is an Introducer Appointed Representative of Which? Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority. Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Your home may be repossessed if you do not keep up repayments on your mortgage.