How to check your credit file — and fix errors

You have a statutory right to a copy of your credit file from each of the three UK credit reference agencies. Most people use free consumer services: MoneySavingExpert's Credit Club (Experian), ClearScore (Equifax) and Credit Karma (TransUnion).

Check for common problems: old addresses still linked to your file, financial associations with ex-partners, accounts that should be closed, and any account or default you don't recognise. Any of these can drag down a score.

To correct an error, raise a Notice of Dispute with the credit reference agency. They must investigate with the lender. If that doesn't resolve it you can add a Notice of Correction — a short statement lenders see when reviewing your file.