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Details on credit cards, loans, mortgages, and utility bills.

It lacks advice on how to improve your score. Statutory Credit Report | Experian

It is free of charge . While older regulations allowed a £2 fee, current standards ensure you can access it for free from all major agencies.

It typically covers the last six years of your financial activity.

Name, current/previous addresses, and date of birth.

Links to people you share joint accounts with.

A is a basic yet comprehensive record of your financial history that credit reference agencies (CRAs) are legally required to provide to you for free . While many commercial apps offer "free credit scores," the statutory report is the definitive, unfiltered view of the raw data lenders use to assess your creditworthiness. Key Features of a Statutory Credit Report

It does not include the three-digit number representing your rating.