Credit History Reports
Understanding your credit history is important for rate-tarts and others who regularly apply for credit cards. To read more about how to use your credit history in support of your activities, please see our article. The table below shows you how to get your credit report from each of the Credit Reference Agencies and what options you have.
| CRA | Service | Cost | Access | Notes |
|---|---|---|---|---|
| Experian | free Trial | Free - 30 days |
Online
Anytime |
 30 day trial |
| Experian | CreditExpert | £5.99 pm. |
Online
Anytime |
30 day cancellation |
| Experian | statutory | £2 |
Posted
One off |
or £8 for 4pa or £20 for 12pa |
| equifax | Free Trial | Free - 30 days |
Online
Anytime |
Cancel within 30 days or £6.99 per month
|
| equifax | Watch Gold | £7.50 pm |
Online
Anytime |
|
| equifax | Watch Silver | £3.99 pm |
Online
Anytime |
one free report and updates on key changes
|
| equifax | statutory | £2 |
Posted
One off |
|
| equifax | credit report | £14.95 |
Online
One off |
|
| CallCredit | e-alerts | Free - 30 days |
Online
Anytime |
Must cancel within 30 days |
| CallCredit | e-alerts | £49.99p.a. |
Online
Anytime |
credit reports and email alerts
|
| CallCredit | unlimited | £8.95 quarterly |
Online
Anytime |
credit report without alerts |
| CallCredit | statutory | £2 |
Posted
One off |
|
| CallCredit | credit report | £9.95 |
Online
One off |
|
| Checkmyfile | 1 agency check | £6.95 |
Online
One off |
not a true CRA, but collates the data for you |
| Checkmyfile | 3 agency check | £16.95 |
Online
One off |
not a true CRA, but collates the data for you |
| Checkmyfile | 3 agency check | £14.95qtr |
Online
Anytime |
not a true CRA, but collates the data for you |
Table | Credit History |