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You get credit reports for free from all three UK agencies (it used to be £2 under the DPA, but is free under GDPR).
This shows all the data that has been collected from your financial history, and is the basis of any credit decisions (and address validation, among other checks).
Anything else is something different - a score, for example. These offer interpretation of the data available, and are entirely proprietary to the agency, and may not reflect what a bank, for example, might consider as a reflection of a) your credit worthiness, or b) your value as a fee paying customer.
NotThamesWater-
MSE is a good place to get the info: https://www.moneysavingexpert.com/loans/check-free-credit-report/
And there's a whole thread on the forum about how to use GDPR to get the info they hold on you: https://forums.moneysavingexpert.com/discussion/5844570/credit-file-and-gdpr
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"You get credit reports for free from all three UK agencies"
What three? DPA? HMRC?
It's the bank asking. The least amount of shit I can give them the better.
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Is this still the case? Which 3 agencies are you talking about?
https://www.gov.uk/government/news/online-credit-reports
Credit reference agencies:
CallCredit
Equifax
ExperianThey do a statutory report:
https://www.experian.co.uk/consumer/statutory-report.html
Greenbank
hippy
What's the go to place for getting a credit report these days? I think I signed up for a free one years ago and then killed it before they billed me. It wasn't Equifax think it was Experian. Anyone better? Free without spammyness?