Who can request a credit report

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

You will need to complete an application and provide identification documents.

No other person such as your spouse/partner, friend, relative, employer, financial advisor or landlord can obtain your credit report without your consent. Such a person is called a third party.

If you wish to give your consent to a third party, or if you are acting as a third party, read our third party factsheet before submitting a request for a credit report.

Credit Information Providers, or lenders, can request your 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.

View the most recent List of Credit Information Providers here.

Apply for your credit report here.