A credit report is a record of how you have borrowed and repaid money. Lenders use it — often alongside a credit score — to decide whether to lend to you and at what rate. Errors happen, so checking your report regularly is worthwhile.
What’s usually on a credit report
- Personal details such as name, addresses and date of birth.
- Credit accounts, balances, limits and payment history.
- Recent applications for credit (“hard” searches).
- Public records where applicable in your country.
How to get your report
In many countries you have a legal right to see your credit report for free from the main credit reference agencies or bureaus. Use the official websites or services recommended by your national consumer protection authority.
Common errors to look for
- Accounts you don’t recognise — a possible sign of identity fraud.
- Payments marked late that you paid on time.
- Closed accounts still shown as open.
- Incorrect personal details or someone else’s information.
Keep evidence
When disputing an error, include copies of statements or payment confirmations and keep a record of every communication.
How to dispute a mistake
Contact the credit agency that shows the error and, ideally, the lender that reported it. Agencies typically must investigate disputes within a set period. If an account is fraudulent, report it to the lender and relevant authorities promptly.
