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£2 credit reports now available online

Statutory credit reference report easier to order

Managing finances

The government has announced that consumers can now access their statutory credit report for £2 from each of the UK’s three credit agencies – Callcredit, Equifax and Experian.

The Department for Business, Innovation and Skills (BIS) has reached an agreement with CallCredit, Equifax and Experian that will allow people to access their credit reports swiftly and securely via the internet. Previously the reports were only available via post.

The credit reports enable people to check and monitor their financial commitments, including whether they have any County Court Judgments against them or late payments due.

ID fraud victims benefit

Victims of ID fraud and the financially vulnerable will also benefit from the tie-up with BIS. Consumer Affairs minister Edward Davey MP said: ‘These are highly beneficial changes. All consumers now have easier access to their £2 statutory credit reports, with victims of ID fraud and the financially vulnerable receiving free and immediate access to their reports. These significant improvements will help consumers take better control of their finances.’

Which? chief executive Peter Vicary Smith said: ‘’This should provide a quicker and more convenient access for consumers to their credit file, and could encourage more people to check their file more regularly. This is a welcome initiative in the battle against fraud and the elimination of faulty data.’

For more information about credit files, including how to improve your credit score to qualify for the best credit card and personal loan deals, read the Which? guide Your credit score explained.

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