Check Your Credit Health
Not sure what your credit report shows? Answer four questions on bureau checks, unfamiliar accounts, repayments and recent applications.
Have you reviewed your own report recently, and was it from one or more bureaus?
Accounts, enquiries and personal details.
Payments and recent credit applications.
FOUR QUESTIONS · ONE GUIDANCE ROUTE
Find a useful starting point
Use your latest reports and account records to answer the questions. The check points to existing guidance about what to review next.
Find your next step
Your answers stay in this page; they are not saved or sent. This tool offers information, not a legal opinion or an approval prediction.
THE SAME GUIDANCE, WITHOUT THE SELECTOR
Choose what needs attention
Work from the first matching row. These are guidance routes, not a credit-health rating.
UNFAMILIAR INFORMATION
An account or enquiry you do not recognise
Verify the entry promptly with the relevant bureau or credit provider through official channels. An unfamiliar entry alone does not establish fraud.
POSSIBLE FACTUAL ERROR
A detail you think is incorrect
Compare current bureau information with your records and gather supporting evidence before disputing a factual error.
PAYMENT POSITION
Payments are not current, or you are unsure
If there is no unfamiliar entry or suspected report error, confirm balances and overdue amounts with your providers. Check your payment position before further applications.
RECENT CREDIT APPLICATIONS
Several recent applications, with payments current
If you recognise the information and have no suspected report error, review recorded enquiries and affordability before making further applications.
GENERAL REPORT REVIEW
The earlier rows do not apply
Review your latest credit information, compare it with your records and monitor for changes. You can use the guidance whether you have not checked recently, checked one bureau or reviewed several.
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