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.
A Subject Access Request, or ‘SAR’ is a written request that you send to a company asking to see your personal data.
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, they're based on:
- 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
If you apply for a mortgage, loan or car finance agreement, the lender will likely use one of these. 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.
- 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.
We’re free because our mission is to make data fairer, for everyone.
This means that our services operate on a not-for-profit basis. It also means that there are no adverts or hidden costs, and that we’ll never, ever sell your data.
Still have questions?
We'd love to help.