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.