Statutory Credit Report Explained Apr 2026

Details on credit cards, loans, mortgages, and utility bills.

Links to people you share joint accounts with.

It contains no information regarding your health or criminal history. statutory credit report explained

Electoral Roll status, CCJs, bankruptcies, and IVAs.

A is a basic yet comprehensive record of your financial history that credit reference agencies (CRAs) are legally required to provide to you for free . While many commercial apps offer "free credit scores," the statutory report is the definitive, unfiltered view of the raw data lenders use to assess your creditworthiness. Key Features of a Statutory Credit Report Details on credit cards, loans, mortgages, and utility bills

Records of hard and soft credit checks from the last two years.

It typically covers the last six years of your financial activity. Electoral Roll status, CCJs, bankruptcies, and IVAs

Name, current/previous addresses, and date of birth.