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Request to see your credit files. It's fast and completely free.

Find out what lenders use to make decisions about you today.

Why should I send a request to see my credit files?

You should send a request to see your credit files to make sure you:

  • are in the best place to apply for a mortgage, loan, or any form of finance
  • know what a lender can see when making a decision
  • can see why previous lending decisions were made about you
  • can stop inaccurate information affecting your credit score
  • can see if you've been the victim of fraud

Thanks to GDPR, it's your legal right to access your credit files for free. It's your information after all.

You can do this by sending a subject access request through Rightly. A subject access request allows you to see any personal information a company has stored about you, including your credit files. We'll connect you to as many credit reference agencies as you need, in one go.

What's that?

A Subject Access Request, or ‘SAR’ is a written request that you send to a company asking to see your personal data.

Why should I use Rightly to send a request?

While companies like Experian or TransUnion generate your 'credit score' from your credit files, sending a request through Rightly lets you see the raw data and files that's used to calculate it.

Remember, credit scores are a marketing tool - lenders don't look at them to make financial decisions. Instead, lenders look at your credit files to make their lending calculations.

Through Rightly, you can access this information to make sure that there aren't any mistakes and protect yourself financially. Better still, Rightly is the only platform that lets you do this for free: no hidden costs, subscriptions or data sharing.

If you send a request through Rightly and notice a mistake in your files, you should get in touch with the lender and correct them immediately.

Get credit files

What information does Crediva, Equifax, Experian and TransUnion know about me?

Every credit reference agency has its own criteria for what will affect your score, but generally, your files will include:

  • Previous finance agreements
  • Payment history
  • Whether you’re registered to vote
  • The length of your credit history
  • How many applications for credit you’ve made
  • Your earnings

As we mentioned, your 'credit score' is only a marketing tool that gives you an indication of the state of your credit files.

If you apply for a mortgage, loan or car finance agreement, the lender will likely use one of these agencies to get your raw credit files. So, it's important to know what each of them is saying about you!

Please note: If you spot something on your credit report that doesn’t look right, you have the right to ask for it to be corrected. They’ll have 28 days to take action on your dispute.

How do I send a subject access request (SAR)?

The easiest way to find your information is to send a request through Rightly.


  • Press 'get started' above and pick from our list of credit agencies
  • Add your basic details so that they can identify you
  • Check your email to send your request

Send a request

Here's what you can expect after you send your request:

Companies will contact you after they receive your request. This is because your request simply connects you to all of the companies you select. After that, they'll take it from there and link you to their own forms and processes for you to fill out. Only your name and email address is required to send these requests, but companies will likely ask you for much more information to identify you, like your ID.

They should confirm your data has been deleted within 30 days. Remember, a deletion request demands that they delete all of your data, including your account details.

Which companies can I request my data from?

We've added the major four credit agencies:

  • Equifax
  • Experian
  • Transunion
  • Crediva

If you can't a company you're looking for, please let us know here and we'll add it.

request credit files

How long until credit reference agencies respond to me?

After the companies have received your request, they have to reply in full within 30 days, or give a valid reason for asking for an extension. However, we're glad to say that most companies normally reply within a week.

Your responses from companies are likely to come directly into your inbox. We don't mind when this happens, as long as you're happy with how your request has been handled and have everything you need.

If you have any questions, or have any difficulty at all with how companies respond, our friendly support team is here to help!

Why Rightly?

We’re free because our mission is to make data fairer, for everyone.

We don't use consumer data for commercial purposes, which means we'll never, ever sell your data. It also means that there are no adverts or hidden costs.

What if they don't reply to my request?

After the companies have received your request, they have to reply in full within 30 days, or give a valid reason for asking for an extension. If this happens, our support team is here to help!

You can ask any company if they have your personal data, even if you don't know for sure whether or not they have it. They have to tell you what they have, as well as how and why they are using it. This is thanks to your ‘right of access’ under GDPR law. GDPR applies in the UK and EU.

How can I improve my credit score?

  1. Pay your bills on time.
  2. Use less of your available credit.
  3. Pay off any outstanding debt.
  4. Check your credit files for inaccurate information or fraudulent activity.
  5. Request your credit files to see what lenders are basing their decisions on.

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