Can I access my credit report for free?

Yes, you can access your credit report for free in the UK. The law allows individuals to obtain their credit report once a year without any charges. Three main credit reference agencies in the UK - Experian, Equifax, and TransUnion (formerly Callcredit) - provide this service online. You'll need to visit their websites and follow the simple registration process to access your credit report. It's essential to review your credit report regularly to ensure that all information is accurate and up-to-date, helping you understand your creditworthiness. If you need more frequent or detailed access to your report, some credit reference agencies offer subscription services that provide additional features and monitoring options for a fee.