Are you invisible to the credit system?

If you’re struggling to get hold of your credit file, you might be ‘invisible’ to the system, meaning the Credit Reference Agencies can’t find you. Time to fix it. Learn how in under two minutes – from the experts at LOQBOX.


Here are the steps you need to take if you can’t get a credit report from one or more Credit Reference Agency (CRA).

Contact the CRAs. They might be able to solve the problem for you right away.



Transunion (formerly Callcredit)


Get your statutory credit report. Each CRA must provide this by law online, it used to cost £2 but is now free. It’s basic, but a good starting point.



Transunion (formerly Callcredit)


Get on the electoral roll. It’s great way to make the system aware of you. Here’s how to do it. 


Make your rent count. If you’re renting, using a service like CreditLadder can help build your credit history by reporting your rent payments to Experian.

Find out more >


Now try again with ClearScore, Credit Club and MSM Credit Monitor. If it doesn’t work, wait two months and have another go. By then, your LOQBOX payments should be starting to improve your visibility (at most, it could take a few months).


Transparency is important to us, we choose our partners very carefully, and only present financial products we think will work for you. If you sign up to Clearscore or CreditLadder using the above link, then they will pay us commission for this. This income helps us to continue to improve our service for our users and keep LOQBOX free.


This post was written and compiled by the credit experts behind LOQBOX – a completely free way to build your credit history by saving a little each month. To sign up or read more about the clever way LOQBOX works, head to

This is part of our Two-minute Money blog series – unlocking the secrets of the financial system, two minutes at a time.

Build your credit history

by saving as little as £20 per month.

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