How to get your credit rating

The most straightforward way to access your credit rating is through your credit report. You can do this through a credit reference agency like TransUnion (formerly Callcredit). Credit reference agencies will give you an indication of what they consider your credit rating is likely to be, but these will vary between credit reference agencies, and lenders will create their own credit rating.

Credit references agencies hold the public and financial information that lenders use to make their decision based on a score they generate using the information in your credit file.

You have the right to access the information credit reference agencies hold about you, and you can do so by getting your: