Our focus is firmly on providing consumers with a high quality service which enables them to access their Credit Report online, supported by best-in-class customer service from highly trained credit professionals based in the UK.

Providing free access to our service for the first 30 days enables us to show our customers how we are different, and why it's worth paying for access to your Credit Report if you don't cancel within that free period.

We make our money from customers who value the service we provide on its merits and are happy to pay a competitive monthly fee. We do not need to try to sell you credit products or other services to make money, so we don't litter your Credit Report with credit offers or spam you with credit products you probably don't need.

On top of this, we give a cast-iron guarantee that we will never sell your personal data to anyone, which very few of our competitors can give.

As the first company in the UK to enable consumers to check their Credit Report online, we have lived and breathed security for the last 19 years. Our services are subject to routine security testing and auditing by our suppliers and tested to ensure that there are no vulnerabilities by security professionals regularly.

When you use our website, all information is encrypted using an SSL certificate from one of the most trusted security brands in the world, Norton. To access your account you require multiple pieces of information including a strong password.

Before we show you your Credit Report, we undertake many checks to validate you are who you say you are, including data from your Credit Report itself amongst other sources.

We currently base your Credit Report on data from Equifax.

Equifax is one of four Credit Reference Agencies in the UK - the other providers are Callcredit, Crediva and Experian.

There is no single Credit Score in the UK.

Lenders use Credit Scorecards that have been developed on a large sample of their own customers and which use data from application forms alongside data from your Credit Report to calculate Credit Scores that work well only for that lender. Credit Reference Agencies use Credit Scorecards that are based on part or all of the data from your Credit Report. None of these can be easily compared, but they all do the same thing, which is to provide a measure of how likely you are to default on a credit product.

CreditReport Credit Scores are derived from the first Credit Scorecard to have been developed specifically to help consumers to understand how Credit Scoring works. They also measure how likely you are to default on a credit product. They can also be compared directly with the Credit Scores provided by checkmyfile and by givemecredit.

You are ultimately much more than a number, more than a score. Credit Scores were produced originally to help lenders to distil the contents of a Credit Report into an easy-to-handle number, to save them from having to read what is often a complex and lengthy Credit Report. This is why it is so important for you to look deeper at the data on your Credit Report and not rely on any Credit Score too heavily. You can’t check a Credit Score for accuracy, but you can check the detail of your Credit Report.

If you find any errors on your report, simply send our team of UK based professionally qualified Credit Analysts a Secure Message and they will investigate and help you resolve the problem with the lender concerned, or with the Credit Reference Agency. If the issue can be resolved by the Credit Reference Agency, we will manage the process on your behalf and keep you updated on progress.

The removal of negative information is not possible if it has been recorded correctly - for example if you miss a payment or two on an account, there is no way to change history - this helps keep the cost of credit down for everyone as otherwise lenders could not make informed decisions on risk and therefore would have to assume the worst.

The impact of negative information reduces as your Credit Report ages so long as positive information is being reported - our team will help you maximise your score through important housekeeping changes like ensuring your Electoral Roll status and financial associates are correct - these factors can harm your rating and are easy to resolve with the help of our team of UK based professionally qualified Credit Analysts.

Unlike many of our competitors, we do our best to make it as easy to leave our service as it is to sign up to try it.

You can cancel at any time, including during any free period. Cancellation can be done by calling us free on 0800 086 9315 , Monday to Friday, 8-6, or at weekends 10-4, or by email, or online by sending us a Secure Message once logged in. In a few cases, we may require that you contact us to cancel by phone or email. Rest assured, no attempt will ever be made to dissuade you from cancelling. It's a quick and easy process and we'll always give you a unique reference number to confirm it's been done, for your own peace of mind.

We pride ourselves on providing the best possible service to our customers so if we fall short we'd love to hear what we could do differently. Similarly, we won't revoke access to your account when you cancel, and will make it a seamless experience for you to come back in the future should you wish to.

You can contact our team of UK based professionally qualified Credit Analysts Monday to Friday from 8am to 6pm and on weekends between 10am and 4pm. We’re closed on public holidays and are open from 10am to 4pm in the period between Christmas and New Year.

If you’re an existing customer, the best way to get in touch is by Secure Message through the logged in part of your account. Alternatively you can email us at help@creditreport.co.uk or call us on our Freephone number 0800 086 9315 .