A credit report is a snapshot of your own credit history. Such as how well you've maintained your credit accounts and any recent credit applications you’ve made.
It also contains information about your identity, such as your address, and employer information, as well as public information such as insolvencies.
Different credit bureaus may hold different information about you, as the data is provided by different credit providers.
Most providers and lenders use your credit report as part of the decision making process when deciding whether to give you credit.
ClearScore partners with Experian and illion to give you access to your credit reports and scores. We give you access to these for free so you can check them whenever you want.
It’s a good idea to regularly check that your report is accurate and up to date. This will help protect you from identity fraud and allow you to see the likelihood of being accepted for credit.