A credit report is a record of your personal credit history consisting of information from local authorities, courts, and Lenders – think of it as your financial passport. It shows the maximum amount of information retrieved by an organisation performing a search against your credit file with TransUnion.

If you’re over 18 and have ever taken out a loan, credit card or mobile phone contract, then you will have a credit report. It’s important to check your credit report regularly to keep an eye on your financial activity.