All the rating agencies are obliged to offer you a 'statutory' credit report online or by post for £2. This snapshot of your credit history will not include a score. So many people go straight to one of the 30-day free offers from the big agencies or the free service from Noddle, which is run by CallCredit - all of which will obtain your credit score as well as a detailed report. 1. Experian and Equifax offer free month-long trials with unlimited access to reports, after which time a fee of up to £15 a month applies unless the account is cancelled. 2. Callcredit offers a free service through Noddle (which is not yet very widely used by lenders), or a £15-a-month hand-holding service called Credit Compass. 3. ClearScore – partnered with Equifax – gives free access online and via its free smartphone app. 4. Alternatively, website Checkmyfile has a two-in-one approach, with a month-long free trial for checking reports held by both Equifax and Callcredit. If the trial is not cancelled it costs £9 a month.