![]() Or you could have to wait up to 10 days to get your report by email or mail.Ĭontact these credit reporting agencies for your free credit report: Usually, you can access your report online within a day or two. This is the 'band' your credit score sits in (for example, low, fair, good, very good, excellent). Your credit report also includes a credit rating. It's worth getting a copy at least once a year. ![]() You have a right to get a copy of your credit report for free every 3 months. If you've ever applied for credit or a loan, there will be a credit report about you. Get your credit score and report for free If you want to fix something in your credit report, see credit repair. You can access your credit score and credit report for free. Your credit score is based on personal and financial information about you that's kept in your credit report. Knowing this can help you negotiate better deals, or understand why a lender rejected you. ![]() ![]() Lenders use your credit score (or credit rating) to decide whether to give you credit or lend you money. ![]()
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