Your credit file also referred to as a credit report, is a document issued by a credit agency, containing a full breakdown of your credit history and additional information that reflects your financial situation. Your credit report is viewed by lenders when you apply for credit and they will use this information to decide whether they are prepared to lend to you.
Your credit file will contain the following details:
The simplest way to receive your free credit report is to request a copy from annualcreditreport.com. Alternatively, you can request a copy from the credit report service via telephone or post using the following details:
Telephone: (877) 322-8228
Post Address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
If you choose to request your report via post, you will need to provide the following: