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What is a credit report?

Key Facts

  • A credit report is a snapshot of your personal credit history and current financial status
  • Banks and financial institutions use your credit report when deciding whether to give you credit
  • Different credit reference agencies will hold different credit reports on you
  • Your Experian Credit Report is updated every month
  • You should regularly check that your report is accurate and up to date, to help protect yourself from identity fraud and increase your chances of being accepted for credit.

What is a credit report?

A credit report details your personal credit history, including mortgages, credit cards, overdrafts, mobile phone contracts and even some utilities such as gas, electricity and water. Banks and financial institutions use them when deciding whether to give you credit.

If you're over 18 and have ever taken out credit, it is likely a credit reference agency (like Experian) will hold a credit report on you.

Every credit reference agency will have a different credit report for you.  It’s worth ensuring that you’ve given us a full 6 years of address history – this will ensure that your Experian Credit Report is accurate.