I used Equifax to get a personal credit report. After leaving university having racked up considerable debt and missed several repayments, my credit rating was in tatters. I went through 8-10 years of never being able to get credit for anything. Even after six years of being in the black and with all repayments made on time and in full, I was still failing to qualify for a mortgage or even a credit card. The language my bank used to explain why was way over my head it felt like no one was helping me, so when I was recommended to Equifax by a friend I took the opportunity to get a report. The report I received helped me to view my whole credit history. The report was extremely clear and easy to understand. It brokedown my credit relationships one by one and helped me highlight any false information which I could then go about getting removed or changed from my record. I was happy enough with that service alone but when I rang to cancel my payments (I felt I had all the information I needed - I wasn't unhappy with the service) the customer service line gave me more advice on how to clean up and strengthen my credit report without me even asking. All the advice was free and there was no problem at all when I put in my request to cancel. Over all I am very happy with the service and feel like it's done a lot to help in my quest to get a better credit rating. Would definitely recommend to anyone who has bad credit and doesn't really understand why.