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Request to see your credit files. It's fast and completely free.

Find out what lenders use to make decisions about you today.

Why should I send a request to see my credit files?

You should send a request to see your credit files to make sure you:

  • are in the best place to apply for a mortgage, loan, or any form of finance
  • know what a lender can see when making a decision
  • can see why previous lending decisions were made about you
  • can stop inaccurate information affecting your credit score
  • can see if you've been the victim of fraud

Under GDPR, you have a legal right to access your credit report for free by sending a subject access request. A subject access request allows you to see all of the information credit companies have about you.

What's that?

A Subject Access Request, or ‘SAR’ is a written request that you send to a company asking to see your personal data.

Why should I use Rightly to send a request?

While companies like Credit Karma or ClearScore generate your 'credit score' from your credit files, sending a request through Rightly lets you see the raw data and files that's used to calculate it.

Remember, credit scores are a marketing tool - lenders don't look at them to make financial decisions. Instead, lenders look at your credit files to make their lending calculations.

Through Rightly, you can access this information to make sure that there aren't any mistakes and protect yourself financially. Better still, Rightly is the only platform that lets you do this for free: no hidden costs, subscriptions or data sharing.

If you send a request through Rightly and notice a mistake in your files, you should get in touch with the lender and correct them immediately.

What information does Crediva, Equifax, Experian and TransUnion know about me?

Every credit reference agency has its own criteria for what will affect your score, but generally, your files will include:

  • Previous finance agreements
  • Payment history
  • Whether you’re registered to vote
  • The length of your credit history
  • How many applications for credit you’ve made
  • Your earnings

As we mentioned, your 'credit score' is only a marketing tool that gives you an indication of the state of your credit files.

If you apply for a mortgage, loan or car finance agreement, the lender will likely use one of these agencies to get your raw credit files. So, it's important to know what each of them is saying about you!

Please note: If you spot something on your credit report that doesn’t look right, you have the right to ask for it to be corrected. They’ll have 28 days to take action on your dispute.

How do I send a subject access request (SAR)?

The easiest way to find out where your information is by sending a request through Rightly.

Simply:

  • Press 'get started' above and pick from our list of credit agencies
  • Add your basic details so that they can identify you
  • Check your email to send your request

What if the don't reply to my request?

After the companies have received your request, they have to reply in full within 30 days, or give a valid reason for asking for an extension. If this happens, our support team is here to help!

You can ask any company if they have your personal data, even if you don't know for sure whether or not they have it. They have to tell you what they have, as well as how and why they are using it. This is thanks to your ‘right of access’ under GDPR law. GDPR applies in the UK and EU.

Why Rightly?

We’re free because our mission is to make data fairer, for everyone.

We don't use consumer data for commercial purposes, which means we'll never, ever sell your data. It also means that there are no adverts or hidden costs.

Keeping your data safe

Send your request in under two minutes

It's simple and completely free

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