The UK has credit agencies that track the credit histories of each individual citizen. This is something that happens regardless of if the person knows it or not. Since so many of our transactions have an electronic element to them these days, it is easy for the agencies to keep up with who has good credit, and who perhaps does not. As a result, the agencies are able to issue credit reports to individuals that score them based on their past, and help them to better understand why they have received the score that they did.
Your credit report should matter to you. It is what outside sources are going to use to judge if they should give you a loan or not. It is also where you will find out how well or not so well you have been managing your money. You may find that there are changes that you need to make in your life in order to gain more control over those funds. Regardless, this report is going to be massively important to your future in the financial world.
When you view your credit report, make sure you are viewing a free option. There is absolutely no reason why anyone should be able to charge you for this type of service. It is something that is guaranteed to be free to you, so you need to make sure that you are looking for the free options so you are not lured into paying for something that people are able to get for free. Simply look for a free option and you are going to be able to view that report and have no problems doing so. That is the way that this should work, and that is what you should insist on.