There are 3 main credit reference agencies in the UK and they all might report data slightly differently so we would recommend obtaining access to all three. These are now offered for free:
- Equifax report: Clearscore (https://www.clearscore.com/)
- Experian report: MoneySaving Expert – Credit Club (https://www.moneysavingexpert.com/creditclub/)
- TransUnion: Credit Karma (https://www.creditkarma.co.uk/)
Alternatively you can go to them directly and pay a monthly fee with each provider.