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Credit file


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.

What's on your credit file?

Your credit file will contain the following details:

  • Personal details (name, date of birth, current and previous addresses)
  • Details of your credit accounts (bank accounts, credit cards, outstanding loan arrangements)
  • Public record information (CCJs, bankruptcies, house repossessions)
  • Whether you are on an Electoral Roll
  • Any acts of fraud
  • Details of those whom you are financially linked to (e.g. someone you share a joint account with)

How to access your credit file

Each year, you are entitled to a free credit report from each of the three main credit agencies Equifax, Experian and TransUnion.

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:

  • Social Security number
  • Current and previous addresses
  • Date of birth
  • Telephone number
  • An acceptable form of identification to verify your identity and address

Want To Be Sure?

Our simple, obligation free online process can give you a better idea of your eligibility!