What is a statutory credit report?
The 'statutory' refers to the fact that legislation requires UK credit reference agencies to open their files to UK people who want to see first hand exactly what information the credit agency holds about them on their credit report files. The information may be of a sensitive or confidential nature as far as the subject is concerned and therefore the Data Protection Act gives the subject the right to see their own credit file.

What is on a statutory credit report?
Your statutory credit report shows the same report as that shown to lenders when they enquire about your credit status. The statutory credit reports show whether you appear on the Voters Roll, if any CCJs have been recorded against you and whether you are registered as a bankrupt, and how promptly you pay your existing credit agreements.

Why does it cost £2?
The £2 fee for a statutory credit report is set by legislation. The credit agency does not decide the fee. In some cases you can get your report free.

Can I get my report free?
Yes you can get your statutory credit report free. Some credit agencies make this offer open to people who want to access their credit files.

Who has access to my credit report?
The credit report files can be accessed by companies that have the necessary legal registration and comply with legal requirements for access under the Data Protection Act. The subject of the file also has the right to access their own file.