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View your credit history online
Did you know that your credit report information is
very important to
lenders when they are deciding whether to give
you a loan or credit card? Which is why it's
important to make sure your report is accurate
and up to date.
CreditExpert is the first and only
online credit monitoring and identity fraud
protection service of its kind, it's simple to use and it's
free for 30-days!
Get your
free Experian credit report
and
30 day free trial
of the CreditExpert Monitoring Service.
Know your credit history before you apply for credit:
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E-mail and
text alerts for early fraud detection |
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Freephone
advice from credit reference specialists |
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Credit tips
and tools to help you manage your money |
Click here for your FREE Experian credit report |
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How can your credit report
affect you?
The contents of your personal credit report are very important, and help
determine whether or not a lender accepts your application for credit,
such as a credit card, loan or mortgage.
Your credit report can affect your ability to:
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Get a loan |
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Get a credit card |
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Obtain a mortgage |
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Get the best credit deals |
Click here to see what information is held on your credit report
As the information held about you by credit reference agencies like
Experian is used to help determine what credit you can obtain, it is
important that those details are correct.
To view your personal credit report (which lenders are currently basing
their credit decisions on) apply online for a credit report from
Experian, the UK's largest credit reference agency, now. You will also
receive a 30-day free trial of Experian's CreditExpert Monitoring
Service.
Click here for a free 30-day trial and a free copy of your credit report |
What information is in the
report?
Credit references agencies – the largest in the UK is Experian – collate
information about your financial background and past behaviour and
format this data into your unique credit report.
Click here to see your Experian credit report online for FREE
Lenders see this information when they decide whether or not to offer
you a loan, mortgage or credit card. It influences their assessment of
the likelihood that you will repay them.
Information comes from two main sources:
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Public records, such as court judgements, individual voluntary
arrangements and bankruptcies. Your credit report also shows whether you
are registered to vote – lenders use this as a precaution against fraud,
to check that you are who you claim to be and live where you say you do.
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Information from lenders and financial institutions, such as records
of the number of loans you have and whether you have ever missed a
repayment. |
It’s important that all this information is as up to date as possible
and correctly reflects your circumstances. Then lenders will make the
best-informed decisions – and you will get the right deal.
The easy way to check your credit report is to log onto CreditExpert,
the credit monitoring and identity protection service from Experian.
Click here for a free, 30-day trial, which will allow you to see your
credit report as often as you like. |
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Why check the report?
If anything in your report is out of date or gives a misleading picture
of your willingness or ability to repay a loan, mortgage or credit card,
it can affect your chances of getting the best deals. It can even lead
to outright rejection by lenders.
For example, you may have separated from a partner who has since run up
debts but, because you have still got a joint account, his or her
payment behaviour could be affecting you. You won't see their credit
data on your report but you will find a note of any financial
association.
Or you may have shopped around for the best offer, without realising
your enquiries have been registered as multiple applications. These
should show as quotation searches. If they are down as applications,
lenders could think you are desperate for money, have over-extended
yourself or even that a fraud is being planned.
You could even discover applications and credit accounts in your name
that you did not ask for. In that case, your identity may have been used
fraudulently.
The easy way to check your credit report is to log onto CreditExpert,
the credit monitoring and identity protection service from Experian. If
you find anything you disagree with or would like to clarify the
circumstances surrounding an entry, CreditExpert will help you to put
the record straight.
Click here for your FREE Experian credit report |
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How can I improve my credit
score?
An easy way to see your report is to join CreditExpert, the online
credit monitoring and identity protection service from Experian.
Click here for a free copy of your Experian credit report
Check your credit report
You need to be sure that it is up to date and accurately reflects your
circumstances. Keep on checking – your report changes when your
circumstances change.
Set the record straight
If anything on your credit report needs updating, tell Experian and they
will investigate.
Don’t let debts pile up
Make your repayments on time – this shows potential lenders that you are
likely to meet future repayments. Better still, try to pay off any
outstanding amounts on credit card accounts completely.
Register to vote
Lenders check the electoral roll as a precaution against fraud, to
ensure that you are who you say you are and live at the address you have
given. If your name doesn't appear, lenders may not be able to confirm
that you live at your address, so you could face ID checks or even
rejection.
Protect your identity
If you notice something surprising on your credit report, such as a loan
application you did not make, you could be a victim of identity fraud.
Inform Experian, who will help to investigate and offer you help and
advice.
Don't leave unnecessary footprints
When shopping around for credit, ask companies for a quotation before
making a formal application. Lenders may interpret an abnormal number of
credit application searches as indicating that you have applied for an
unmanageable level of credit. They may even suspect fraud.
Tell the truth
Don’t lie or fudge the truth on an application form. Lenders find out
and any inaccuracies on your form will tell against you and cause
difficulties in future. |
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