Who can request a credit report

You can request your credit report at any time free of charge (subject to fair usage).

No other person such as your spouse/partner, friend, relative, employer or landlord can obtain your credit report without your consent.

Lenders will be able to request a credit report when:

  • You have made an application for a new loan;
  • You have applied to have your existing loan restructured;
  • You have arrears on your existing loan or you have breached the limit of a credit card or overdraft.


You can submit a request for a credit report or view our credit report factsheet.