Statutory Credit Report Explained 【2026 Edition】

It contains no information regarding your health or criminal history.

It is free of charge . While older regulations allowed a £2 fee, current standards ensure you can access it for free from all major agencies. statutory credit report explained

It typically covers the last six years of your financial activity. It contains no information regarding your health or

Requesting your own report is a "soft search" and will not affect your credit score . What is Included vs. Excluded Included Information Excluded Information It typically covers the last six years of

A is a basic yet comprehensive record of your financial history that credit reference agencies (CRAs) are legally required to provide to you for free . While many commercial apps offer "free credit scores," the statutory report is the definitive, unfiltered view of the raw data lenders use to assess your creditworthiness. Key Features of a Statutory Credit Report

Links to people you share joint accounts with.

Information about your income or bank balance (unless you have an overdraft) is not listed.