Checking your credit reports

If you start a healthy diet, it’s a good idea to check what shape you’re in first. The same goes for improving your credit health. Here’s the lowdown on credit reports in under two minutes – from the experts at LOQBOX.


A credit report contains everything lenders like to know about you before they decide whether to let you borrow. The important things to know about credit reports are:


  • There are three main UK Credit Reference Agencies (CRAs) – Experian, Equifax and TransUnion – and each owns a separate credit report about you.
  • Differences between your three reports can damage your chances of getting credit, so it’s best to check all three.
  • Check your credit report for free with these services:
    Clearscore (uses Equifax data)
    Credit Club (uses Experian data)
    MSM Credit Monitor (uses TransUnion data)


And that’s it. Now you’ve got everything you need to check your credit reports. Make sure you read them all closely and report any errors you find right away. If you have any problems getting your credit reports, you might be ‘invisible’ to the CRAs. We’ll help you fix that too.


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 using the above link, then they will pay us commission for this.


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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