No, Universal Credit won't appear on your
credit report
for the same reason it doesn't affect your credit score. Your credit history records money you've borrowed and repaid. Lenders reviewing your report will only see your past and current debts. This borrowing history doesn't show your full financial situation, so it's not the only information they consider during an application. If you're hoping to hide that you're claiming benefits, we have some bad news. Lenders will still know because they ask for proof of income, which includes Universal Credit. However, they usually don't mind where your income comes from as long as it's stable and legitimate.