Statutory Credit Report Explained Apr 2026

Under the Consumer Credit Act 1974 and GDPR , every UK resident has the right to access this information.

It is free of charge . While older regulations allowed a £2 fee, current standards ensure you can access it for free from all major agencies.

Electoral Roll status, CCJs, bankruptcies, and IVAs. statutory credit report explained

It typically covers the last six years of your financial activity.

Standard student loan repayments do not appear. Under the Consumer Credit Act 1974 and GDPR

It contains no information regarding your health or criminal history.

Information about your income or bank balance (unless you have an overdraft) is not listed. and date of birth.

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