Owning your own home

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NotThamesWater in reply to @hippy

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.

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Greenbank in reply to @NotThamesWater

@hippy

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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NotThamesWater in reply to @Greenbank

Just to be pedantic - Those services in the first link are optional. You can use them, but you don't have to use them.

You can access your (what used to be called the statutory) credit report without using them. The 3 agencies all allow it online now, with only one or two hoops.

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