We work with the credit reference agency TransUnion, to provide free credit reports. If we couldn’t find your report, it means TransUnion either couldn’t find your credit file or don’t hold enough information on you to produce a full credit report. If there isn’t enough information in your file to create a credit report right now, it means you have a ‘thinfile.’

There are ways to build your credit report and score so that this can change in the future. Find out more about how to build your credit score.

This doesn’t mean that you have a poor credit history or have never had credit. It simply means that with the information you’ve given us, TransUnion couldn’t produce your credit file. If this happens to you, check the details you’ve entered are correct: name, address, date of birth.

If you update this info in your TotallyMoney account, we will ask TransUnion to search again to find your credit information. If you’ve realised that your financial accounts (such as credit card or loan) have the wrong address or name, you should raise this with the lender. If this is the case, TransUnion will need to do a new search, so you’ll need to close your account and re-register with TotallyMoney. If you've recently moved addresses, you should ensure you update your address with all of your financial account providers.

If you don’t see any credit results, it’s because we couldn’t find any that you’re eligible for right now. Instead, you’ll see products such as guarantor loans or credit building cards.

These products are designed to help you improve your credit rating. And, with an improved credit rating, you could find it easier to get accepted for credit in the future, and it could even help reduce the cost of your existing borrowing.