A credit report shows you the last six years of your credit history. It will contain details of credit products you have applied for including mortgages, loans, credit cards, payday loans and overdrafts. Some utility and mobile phone providers will also be on there.

It will also have details of your address history, whether you're on the electoral roll, whether you've ever been a victim of fraud, and will contain details of anyone you've taken out a joint credit product with.

You can view your TransUnion Credit Report within Credit Club. For how to see other credit reports, read Check your credit report for free.