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  • Bit of a strange question, anyone has done a credit check on themselves? It's all in relation to my planning on my possible home buy. I know banks will do it etc but I want to know before they do.

  • Experian, CallCredit and Equifax all provide statutory credit reports, costing £2 (they are required to do this by law). You should get all three (and on a semi-regular basis - I get mine every year or so).

    You can pay a lot more for credit checks from the same companies - the only difference between these and the statutory report is that they will include arbitrary scoring criteria to your credit history, and come up with an arbitrary result.

    Be aware that your credit score will be different for different companies - they mostly all use their own proprietary scoring methodology and criteria, and will probably only ever share a few of the factors with you.

    A paid-for report will be an approximation of the banks' check at best.

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