Get a copy of your credit report

Your credit report is held by credit reporting agencies. There are three separate credit reporting agencies: Equifax, Illion and Experian.

You’re entitled to get a free copy of your credit report, which will include your credit score, once every three months from each of the credit reporting agencies.

You can also request a free credit report, if your application for credit was declined in the past 90 days. See our page about how to get your credit report for more information.

Fix your credit report

Credit reporting agencies are required by law to make sure the information on your credit report is accurate, up-to-date, complete, relevant and not misleading.

If you find information on your credit report that you think is wrong or misleading, you can take these steps to fix it for free.