A credit report is a snapshot of your own credit history and current financial status. It contains information about how well you have maintained your credit and service/utility accounts.
Different credit reference agencies will hold very slightly different credit reports on you, but they are all based on the same base information provided by these sources.
Banks and lenders use your credit report when they decide whether to give you credit.
We at ClearScore use data from Equifax, who update your credit report and score once a month. We give you access to this credit report and score for free, whenever you want to check it, so you can monitor changes over time.
It’s a good idea to regularly check that your report is accurate and up to date. This will help protect yourself from identity fraud and allow you to see the likelihood of being accepted for credit in the future.