Please find information in association with finding your credit report

1. Why have I been unable to access my Credit Report?

Supacompare partners with TransUnion, one of the main credit reference agencies in the UK, to provide our customers with their credit report.

TransUnion match the information you submitted to Supacompare with the information they hold and, if found, return a series of authentication questions which need to be answered to access your report.

If you have been unable to access your credit report, it may be as a result of the following:ThinFile, Not Found, Failed or Blocked

Thin File

This means that, although TransUnion have located your credit report, they do not hold enough information about you and have been unable to produce a full credit report.

Don’t worry, this just means that once you have built up some history, they will be able to create your credit report. You can find out more on how to build your credit history in Supacompare help links.

Alternatively, if you would like to see what information TransUnion currently hold on you, you can also apply for your statutory report. 

Not Found

If you’ve not been found by TransUnion, this doesn’t necessarily mean you don’t have enough credit history or that you have poor credit history. This simply means that, with the details you have provided us, TransUnion have been unable to accurately match you to any information that they hold. You should check over the details you’ve provided us and make sure all of your financial accounts are up to date.

If you notice that any of your information in your account is incorrect, such as your Date of Birth, Name or Address, you can update this information in your account. When we receive new information, we will attempt to retrieve your credit report again for you.

Please note, we will only be able to try and retrieve your credit report if you change your Date of Birth, Name or Address. Therefore, if you have provided us with new information and your lenders or the public bodies update their information to match, this would not generate a new search.

Alternatively, if you’d like to see what information TransUnion holds on you, you can ask to have your statutory report posted to you or you can try to obtain it online.

Failed / Blocked

Once TransUnion have located your credit report, they will provide a series of authentication questions (KBA) which will need to be answered correctly before you can view your credit report information.

Customers have a limited number of attempts to pass this authentication. If you have failed the authentication, it may help if you request your statutory report from TransUnion (here) before reattempting the authentication stage. You can then check the information that TransUnion hold on you.

If the authentication is failed more than once, TransUnion may block your account. If this happens, you would no longer be able to receive your credit report via our services.

What is a credit report?

Credit reports are compiled from the data collected by credit reference agencies. Credit reference agencies gather information from public records and financial accounts that have been active within the last six years. 

This can include information about: 

  • Credit accounts (credit cards, loans, mortgages) 
  • Electoral register
  • Defaults 
  • Individual Voluntary Arrangements (IVA) 
  • Judgments (CCJs, Insolvencies and Bankruptcies)
  • Financial associations 
  • Linked addresses 

Lenders can request your credit report to decide if they will accept or decline your application for credit. As a result, it’s important to check that the information held about you by credit reference agencies is correct. There are many services that provide you with access to your credit file information, however there are only a few that provide you with this access for free. We use TransUnion data to provide you with your free credit report. This is a free service from

You can’t find enough information, how can I build up a credit profile?

If you have tried to access your credit report but have been told that ‘we have been unable to provide you with your credit report as we don’t have enough data’, this means that TransUnion does not hold enough information about you to provide you with a full credit report.

This can often be because you don’t have much credit history or you may have only recently arrived in the UK and the credit reference agencies have not received enough information about you. See the potential reasons here: 

Don’t have much credit history

You may not have taken out any credit products yet or not built up enough of a credit profile.

If you have lived in shared accommodation (such as at a university) or do not have your own home, you may not have been registered on the electoral roll.

Recently moved to the UK

If you have recently moved to the UK, the credit reference agencies in the UK may not hold much information about you. This is because lenders outside of the UK are unable to share your account information with any of the credit reference agencies in the UK that create your credit report. 

If you have got lenders in the UK, you should check with your lender’s what information they hold on you and ensure this information is correct. Double check this against the information you have provided to us as any information that is different could have an impact on if we are able to provide you with your credit report.

How to build a credit profile?

In order to receive a credit report and credit score, the credit reference agencies need to collect information about you so they can build up a picture of you and calculate your credit score.

Some quick things that you can do to build up a credit profile are:

  • Register with the electoral office

lenders can use this information to check your identity and address information, being on the electoral roll can help to improve your credit score but, more importantly, help you build up a credit profile).

  • Apply for a credit builder product

These products are useful for someone that is unable to apply for any credit cards, loans or other credit products. They each work slightly differently so you should check the details of each product that you are looking at but essentially, you pay an amount to these companies each month and they report this to the credit reference agencies as a loan. This helps to build your credit profile as it works in a similar way to repaying a credit product. At the end of the agreed time, you can then access the money that you paid in. (Please note, there may be a fee you need to pay to withdraw this money.)

  • Apply for a mobile phone contract

It can be hard to apply for credit cards and loans if you have no history and, even if you are eligible, you may only see products with high interest rates that you are not interested in. Mobile phone contracts can be easier to be accepted for and this information is often updated with the credit reference agencies so it can help to build your profile. Running these accounts so they are paid on time each month will also ensure your credit score is not impacted and can help to improve your credit profile and score.

  • Apply for a loan or credit card

Loans and credit cards are a great way to build some credit history, but they can be much harder to obtain as lenders will want to make sure that you can afford to pay back any money that you borrow. Check your eligibility for loans and credit cards before making any applications so you have a higher chance of being accepted.

When taking out any loan or credit card, always make sure that you can afford to make the repayments on time each month, this will help you to avoid any extra charges and is considered ‘good behaviour’ that will help you to improve your credit score and promote a good credit history.