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What is a credit report?

A credit report provides detailed information about your credit score and credit history.

Our credit report is free, takes just a few minutes to get and you can access it whenever you need it.

We started giffgaff gameplan with the aim of helping our members get a little more financially fit.

And we believe that understanding your credit report can be the foundation for building healthy finances.

Why do I need my credit report?

Your report highlights your borrowing history

It can help you to identify fraud or other issues affecting your financial profile.

Understanding your credit score helps you to take action and plan for the future.

Get your report in minutes

Answer a few questions (it shouldn’t take longer than 5 minutes) and you can have access to your personal credit report in no time. Your credit report is completely free. We’ll just need your credit/debit card details to identify you. Don’t worry, we won’t charge you anything or keep your card details.

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You'll get a straight-talking and easy to understand report

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We work with one of the UK's leading credit agencies

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We're authorised by the financial conduct authority

Frequently asked questions

  • Is it really free for life?

    Yes, you won’t need to pay anything to access your report. You’ll just need to make sure you log in at least once every six months to keep your report live.

  • Why do you ask for my credit/debit card details if the service is free?

    Callcredit just need your card details to verify your identity. The details won’t be stored and no payment will be taken.

  • Why should I continually look at my report?

    Keeping a regular track on your report will enable you to spot any suspicious activity on your report that could be a sign of identity theft/fraud. It will also enable you to see unfair or incorrect information being held on you. But most importantly it’s crucial to check your report just prior to applying for any forms of credit. This will give you a much better idea of how likely you are to be accepted without adding another search to your credit file and potentially help you avoid the impact of a credit decline to your credit score.

  • Can I find out who has searched my credit history?

    Yes, Callcredit keeps a record of every search made on your credit report in the last 24 months and these will be shown in the “Search History” section of your report.

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giffgaff Limited is authorised and regulated by the Financial Conduct Authority, Firm Reference Number - 680957. Registered address – giffgaff Ltd, 260 Bath Road, Slough SL1 4DX. Company Number - 04196996.

Posts on this site reflect the opinion of the members posting only, and not necessarily giffgaff’s opinions or views. There’s a lot of information here that can help you, however, you must remember that we operate an open forum and sometimes messages that are posted are misleading, deceptive, or inaccurate. If you follow these tips, you do so at your own risk. Always do your research and check the terms.