CREDIT REFERENCE AGENCIES - CREDIT REPORTS Download to Excel

Please see a list of services offering access to your credit report. By viewing your credit file online, you can see what it is that banks and lenders see when they assess your profile. It is recommended to check your credit report at least once a year, to make sure that the information contained within it is correct and up to date.

Some people are turned down for a loan application thanks to incorrect information in their file – it may show an unsettled debt which you did actually pay off. Prevent this kind of thing from happening by requesting corrections.

Credit Reference Agency Information

Most companies offering credit reports provide a free trial period after which you can choose to keep a regular subscription to keep up to speed on your credit score.

Use the table below to compare essential features like whether a free trial is offered and how much the regular subscription costs. Make sure you find out how to cancel the subscription as many trial periods do not stop automatically – in many cases it is up to you to cancel the service.

PROVIDER	PRODUCTS	FREE TRIAL	COSTS	CANCELLATION	CREDIT REPAIR	APPLY
Credit Expert	Credit report, identity fraud prevention service	30 days	£6.95 per month	Call on freephone number	Help and tips provided only
Credit Expert	CreditExpert is the UK’s leading online consumer credit monitoring and identity fraud prevention service. Consumers get FREE and unlimited real-time online access to their credit report for the trial period for 30 days. You also receive advice and tips on how to improve your credit rating and alerts anytime your credit report changes. MORE INFORMATION >>				Terms Terms 1. Check website for details. Services Services 1. Credit report. 2. Identity fraud prevention service. 3. Helpful advice to rebuild your credit rating. Advantages Advantages 1. Free trial credit report for 30 days. 2. Financial tools and tips to help manage your credit. 3. Help with managing your report. 4. Access to expert knowledge and tools. Disadvantages Disadvantages 1. 6.95 a month after trial period ends.
Checkmyfile	Credit report, debt advice centre, find a lender and free identity theft check.	N/A	£4.99 - £19.99	Not refundable	Hints and tips
Checkmyfile	Checkmyfile is the UK’s leading supplier of personal credit reports to consumer. You are able to check your credit report online to make sure it is in good shape and use it to find cheaper credit. The Free Credit Score, Credit Rating, Find A Lender, Debt Advice Centre, Check your Postcode, Free identity Theft Check services are all free. MORE INFORMATION >>				Terms Terms 1. Registration to checkmyfile.com is free. There is no obligation to purchase any services. Services Services 1. Check your credit report. 2. Free credit score. 3. Find a lender. 4. Debt advice centre. 5. Free identity theft check. Advantages Advantages 1. Free Credit Score, Credit Rating, Find A Lender, Debt Advice Centre, Check your Postcode, Free identity Theft Check services are all free. Disadvantages Disadvantages 1. Payments made for online services, such as our Single Agency Report, Triple Agency Reports or Unlimited Access services are not refundable
Annualcreditreport	Free credit report, identity protection and find credit	No	£2.50	Not refundable	Hints and tips
Annualcreditreport	Annualcreditreport is an independent provider of online credit reports and is available online and is accessible 24 hours a day. The website is laid out in an easy to understand format. You are required to pay an initial £2.50 set up fee, which is non-refundable, however there is no monthly subscription fee and no trial periods to remember to cancel. MORE INFORMATION >>				Terms Terms 1. One-off setup fee of £2.50. 2. Payments made for our online Premium services and for the initial setup fee are not refundable. Services Services 1. Guarantee not to sell your personal details or sell your email address to anyone 2. You'll find help in getting cheap credit using our market leading credit matching service. Advantages Advantages 1. There are no 'trials' to remember to cancel. 2. No subscription required. 3. You get a FREE CREDIT REPORT now, and every year afterwards 4. Monthly email giving tips on credit and how to avoid falling victim to identity theft. Disadvantages Disadvantages 1. Payments made for our online Premium services and for the initial setup fee are not refundable
Call Credit	Credit report monitoring	No.	£4 per month	7 days before the quarterly anniversary	HInts and tips
Call Credit	Call Credit is an online credit report monitoring service, which can help you understand your credit rating and alert you to identification fraud. You will receive a free credit score and credit rating that will tell you when you stand when you come to apply for credit. MORE INFORMATION >>				Terms Terms 1. See website for details. 2. You must be over 18 years old to register Services Services Included in membership: 1. Credit scores, free for the first three months. 2. Credit Report, free online access. 3. Email alerts 24/7 credit report monitoring. 4. Credit Report Advice - expert credit and ID Fraud resolution advice. Advantages Advantages 1. Your credit score FREE for the first 3 months. 2. Callcredit check costs £4 per month (this will be billed at 3 month intervals). As a customer you receive; unlimited access to your credit report, 3 free credit scores and email alerts that warn you of changes to your report. Disadvantages Disadvantages 1. The renewal fees will automatically be charged at our then prevailing rates on each anniversary of the Pay Subscription Date. 2. Callcredit check costs £4 per month (this will be billed at 3 month intervals).
QuickCreditScore.co.uk	Credit Score and Credit Report	10 Days	£14.95	Anytime	Hints and Tips
QuickCreditScore.co.uk	Quickcreditscore.co.uk offers you a free 10 day trial to enable you to get unlimited access to your free credit score and report. They also offer you 24/7 identity Alerts, Identity Recovery Assistance and an Extensive Online Resource Centre. MORE INFORMATION >>				Terms Terms See website for terms and conditions. Services Services UNLIMITED Access to your FREE Credit Score and Report Advantages Advantages 1. UNLIMITED Access to your FREE Credit Score and Report 2. 24/7 Identity Alerts 3. Identity Recovery Assistance 4. Extensive Online Resource Center Disadvantages Disadvantages 1. You must remember to cancel your trial membership otherwise you will be charged.