Equifax Statutory Credit Report

A Statutory Credit Report is a written report of your credit history. It makes it easy to understand what credit information is held about you by credit reference agencies. It is called 'statutory' because all consumers have a legal right to view it. A Statutory Credit Report shows your financial history, like loan repayments and credit card use. It details whether you've been late on payments or defaulted on loans.

This report is used to check your credit history. This can be important to know when you're applying for credit, such as a mortgage or loan, because lenders use this information to decide whether to lend to you and at what rate. It also lets you monitor your financial status and identify any errors in your credit history.

You can access your Statutory Credit Report from Equifax by registering online.
Once you have registered, you will have access to our improved member centre, now called myEquifax. From there, you can access and view your credit report online.
You can also print out or download your credit report as a PDF document

If you’re a sole trader or in a business partnership, by law, you’re entitled to request a copy of your Business Report to be sent to you by post. Please complete our Business Request form and post it to:
Equifax Ltd
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS

A copy of your statutory credit report will then be posted to your home address within seven working days.

A Statutory Credit Report gives a snapshot of your credit history and key credit information.
The Report & Score service offers a more comprehensive view. This includes your credit score, as well as more detailed insights and regular updates.
The service also offers additional benefits like identity protection.

Yes. If you think that there is incorrect information on your Equifax Credit Report, please go to the Errors on my Credit Report section to raise a dispute. We will then manage the dispute with the data supplier on your behalf. Once the dispute has been raised, the company has 21 days to respond to it. While this is happening, we'll add a note to your Equifax Credit Report so that any organisations looking at it are aware that the information is under dispute.

Your Statutory Credit Report is updated daily upon login. However, different lenders might provide information to Equifax at different times, so updates to specific accounts can vary. Regularly checking your credit report can help you stay on top of any changes.