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Checking your credit report puts you in control of your finances, you can view what lenders look at when you apply for products. You can view your credit history, information about the money that has previously been lent to you and how well you have managed this. Financial lenders look at this information when you apply for products such as a loan, a credit card, a mortgage, store credit and even a mobile phone contract.
Each company will offer you different features on their report so pick the one that is best suited to you, but common things you will get in a clear and easy to view way will be;
- Credit Rating and what it means
- A list of who you have credit with (mortgage, credit cards, bank account, loans etc)
- Who has searched your credit file
- Payment history detailing whether you have kept up to date on payments and if these have always been on time
- Fraud alerts, you will be alerted by phone or SMS if credit is attempted in your name
Benefits Of Checking Your Credit Report Regularly
- Fraud detection - check that no one is using your identity to apply for credit
- Make sure the information is up to date and correct
- Apply for products you will likely be approved for
- Correct any mistakes if there are any to get better rates
No, you can get a one of credit report for £2. Your statutory credit report shows your credit history. It contains informatin authorised lenders can see when they carry out a credit check on you. tThe information in your £2 Statutory Credit Report is the same information that is shown on your full Credit Report but you must pay a £2 fee each time you wish to see an up to date version and you do not get any alerts or warnings.To get your £2 report visit one of these;
Click http://www.experian.co.uk/consumer/statutory-report.html or call 0844 481 80000
Click https://www.equifax.co.uk/Products/credit/statutory-report.html or call 0844 335 0550
Click http://www.callcredit.co.uk/consumer-solutions/your-credit-report/statutory-credit-report or call 0870 060 1414
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