MoneySavingExpert.com homepage
Cutting your costs, fighting your corner
Founder, Martin Lewis · Editor-in-Chief, Marcus Herbert
Search bar closed.
MSE News

Equifax unveils online statutory credit reports

bill
Guy Anker
Guy Anker
Deputy Editor & Head of Operations
16 March 2010

Credit reference agency Equifax says consumers can now access their statutory credit report via its website.

The move, which other agencies are compelled to follow after Government guidelines announced yesterday, will give consumers easier access to their credit report (see the Government lending crackdown MSE News story).

It will also help identify their chances of being accepted for new credit cards, loans or mortgages, or to correct errors.

The Government stated yesterday that everyone must have access to their credit report online for a maximum of £2 by June 2010 (see the Credit Rating guide).

In the past, agencies would send you your report, if requested. Access will be free for ID fraud victims and those receiving debt advice.

Rival agencies Experian and Call Credit say their reports will be available online by the June deadline.

Equifax has been trialling the online service since August but it was largely hidden on its website until last month. It was only able to announce the web-based facility today, stating it had to wait for the Government report to come out first.

It's possible for most people to get their report for nothing by signing up to a free trial and then cancelling before the introductory period ends (see the Credit Rating guide).

To be sure of you credit status you need to check all three firms because different lenders report your repayment history, and view it when you apply for borrowing, via different agencies.

Further reading/Key Links

Boost credit rating: Credit RatingRate hikes: Reject Rate Jacking Cut credit card debt: Best Balance Transfers

MSE Forum

Equifax unveils online statutory credit reports

Forum image
MSE Email icon 18 February 2025

For all the latest deals, guides and loopholes simply sign up today - it’s spam free!

32 months' 0% debt shift
Now on three cards
5 'hidden' Amazon tricks
Bag yourself a bargain
Protect yourself from phone theft
16 tips
ONE cheap energy fix left
Fix NOW
£150 Ninja air fryer £90
6,000 available
How marriage can save you cash
Watch Martin's video
264Mb Virgin broadband
'£20 a month'
Tools and calculators

Clever ways to calculate your finances

Find your odds of getting top cards
Find your odds for getting a cheap loan
Compare broadband, phone & TV deals
Compares thousands of mortgages
Eight calcs to help you work out the cost
We ensure you’re on the cheapest tariff