Welcome
Your credit report tells a story.
When you apply for a mortgage, lenders may review information held by UK credit reference agencies as part of their assessment. Your credit report is not a pass or fail test — but it can help lenders build a picture of how you've managed credit over time. Learning how to read your report before applying gives you the chance to understand your financial profile and identify anything that may need correcting or explaining.
Read a sample report line by line
Spot the entries worth checking
Earn the Credit Detective badge