: Services like TotallyMoney and Checkmyfile also provide access to TransUnion data, with Checkmyfile offering a combined view of all three UK credit agencies (Experian, Equifax, and TransUnion) for a subscription fee after a free trial. What to Look For in Your Report
: Ensure your name, current address, and previous addresses for the last six years are correct. callcredit
: Look for any missed payments, defaults, or CCJs (County Court Judgments). Most negative information stays on your file for six years MoneySavingExpert Forum . : Services like TotallyMoney and Checkmyfile also provide
: Check for "financial associations" (like a partner you share a joint account with) as their credit can affect yours. Most negative information stays on your file for
: You have a legal right to see your statutory credit report for free. You can request it online or by post directly from TransUnion. This version displays your credit history but does not include a credit score.
If you find that your score is lower than expected, you can take several steps:
When reviewing your "Callcredit" (TransUnion) data, focus on these key areas to ensure your creditworthiness is accurately represented: