{"id":"gb-personal-statutory-credit-report","page":"https://joyworkos.com/en/reports/uk-statutory-credit-report/","name":"UK personal credit report (statutory, free)","name_en":"UK personal credit report (statutory, free)","local_name":"Statutory credit report (Experian, Equifax, TransUnion)","country":"GB","country_name":"United Kingdom","category":"Credit and business information","what_it_shows":"Credit accounts, payment history, public records (CCJs, insolvencies), electoral roll status, searches and financial associates held about the individual.","who_needs_it":"private individuals, tenants, mortgage applicants","why":"checking credit before a mortgage or tenancy, disputing errors, fraud detection","price":null,"sold_by_joy":false,"delivery":"not stated","format":"online or paper report","who_can_order":"Only the person themselves","what_we_need":{"details":"name, date of birth, 3–6 years of addresses, identity verification","upload":"none","authorisation":"sign","original_by_courier":false},"legal_limits":"Subject access right under UK GDPR; third parties can only see it with the individual's consent or a lawful purpose (lenders' searches).","issuer":"Credit reference agencies (Experian, Equifax, TransUnion); right enforced by the Information Commissioner's Office","official_source":"https://ico.org.uk/for-the-public/credit/","how_to_get_it_yourself":"request statutory report from each agency online or by post → identity verification → report","faq":[{"q":"How do I get UK personal credit report (statutory, free)?","a":"Only the person concerned can obtain it, directly from Credit reference agencies (Experian, Equifax, TransUnion); right enforced by the Information Commissioner's Office. request statutory report from each agency online or by post → identity verification → report"}],"languages":[{"lang":"he","page":"https://joyworkos.com/reports/uk-statutory-credit-report/"},{"lang":"en","page":"https://joyworkos.com/en/reports/uk-statutory-credit-report/"}],"order":null,"seller":"Joy Work OS (Neos Tech Ltd, Israel) — a private service, not the issuing authority"}