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Welcome to Which Credit Report

Order Credit ReportThank you for visiting whichcreditreport.co.uk, the only online credit report comparison site that compares credit reports from all three UK credit reference agencies.

With credit lenders becoming more and more cautious about who they lend to and the terms they offer, and with personal identity theft and financial fraud on the increase, credit checking is a regular occurence and it's never been more important to check your credit report on a regular basis.

The three UK credit reference agencies, Experian, Equifax and CallCredit, all offer £2 statutory credit reports, as well as credit monitoring and credit scoring services.  It's also possible to order a free credit report online instantly, and we'll show you how.

whichcreditreport.co.uk explains everything you need to know about your free credit checks, including what information you'll find on them, how long entries stay there and how to order your UK credit check for free.  You'll also find out what your credit score is, how to improve your credit score, what identity fraud is, and how to protect yourself from identity theft.

Your complete satisfaction is our number one priority.  Please contact us if you feel that our site could be improved in any way.

We hope you enjoy your visit!

 
Credit Reports Explained


Confused_by_Credit_ReportsA consumer credit report is a personal snapshot of your credit accounts, including your overdrafts, credit cards, personal loans, mortgages and mobile phone contracts.  Your credit report records information about your outstanding balances and payment history, and if you've failed to keep up with repayments it will also list any defaults, court judgments or bankruptcies registered against you. Lenders use credit checking when processing your application as a way of assessing their risk.

 
Order Your Free Credit History Reports

Order Free Credit ReportOrdering your free credit checks from any of the three UK credit reference agencies, Experian, Equifax or Call Credit, couldn't be easier.  We'll show you how!

And if you're not sure which one to go for, our Experian, Equifax and CallCredit reviews will help you decide.

 
Improve My Credit Score

Improve Your Credit ScoreGetting declined for credit cards?  Being offered rates much higher than the "typical" ones advertised by loan companies? Struggling to secure a mortgage?  If so, you could have a problem with your credit score (also referred to as your credit rating).

 
Credit Report Comparison

experian_best_credit_reportBefore you order your free credit checks, we'd recommend using our comparison chart to make sure you're ordering the right ones for your needs.  We're the only website to compare and rate credit reports from all three of the UK's credit reference agencies, Experian, Equifax and CallCredit.  And the winner of the best credit report is...

 
What is a Credit Score?

Credit_ScoreMost lenders that you apply to for credit use credit scores to predict how risky it is to lend to you. Your credit score (also known as credit rating) is calculated using a formula that takes into account credit information supplied on your credit report by credit reference agencies such as Experian, Equifax and Call Credit, and information you provide on a lender's application form when you apply for credit.

 
About Identity Theft and Identity Fraud

Identity Theft in Progress

Identity theft (ID theft) and identity fraud (ID fraud) could happen to anyone.  Chances are, if you haven't already been a victim someone close to you probably has.

Identity theft occurs when an identity thief steals your personal information with the purpose of committing identity fraud.

 

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