There are different ways to view your credit report. You can apply online for a report from one of the credit reference agencies, the main companies which operate in the UK are Experian and Equifax. They both share information so you should only need to apply for one. Sometimes they offer a free trial so it's a good way to access your credit information and understand how it works before deciding whether to subscribe to the service.
It's good to be on top of your credit profile and gradually work through and tidy up any problems so that, when you do need to rely on your credit record, it doesn't let you down. Your credit rating will be used qualify for loans, credit cards, hire purchase, mortgages and even a new mobile phone.
As well as keeping on top of your credit profile having access to this data means regular online checking can quickly highlight if someone is using your information to obtain credit. Identity fraud is a growing crime in the UK and this is one way you can protect yourself.
Have you been refused a homeowner loans bad credit? If so, you are entitled to request a copy of your report and establish the route of the problem. The lenders who you have applied with can give you with the name and contact information of the credit reference agency they verified your information with.
If you are looking to borrow money soon, you can carry out a free credit check with certain companies such as Experian, that way you can quickly establish if you are able to secure the loan you are looking for.
Click to find out more about credit profiles or to apply for a FREE Experian Credit Report
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