Don't believe the hype - here are the facts;
• If many companies search your credit record it could damage your credit rating
• You can search your own record as many times as you like with no negative impact on your credit standing with companies who search you.
• There is no such thing as a credit black list
• Your credit score makes no account of your sex, religious beliefs or ethnicity
• Your credit rating is based on you as an individual so you will not be negatively impacted by anyone living at your address, unless you have had a joint account with them and are therefore linked
• Experian and Equifax, the main credit reference agencies, do not decide whether you can access credit. They simply retain the records which allow the credit providers to decide for themselves.
• Any blips in your credit status will stay with you for up to 6 years, so even if you repay a county court judgement it will remain on your record for 6 years.
What is included in your credit report uk;
• details of all credit checks which have been carried out on you as an individual, and by whom.
• a full list of all credit agreements in your name, both past and present.
• up to date outstanding balances on each of your accounts
• the payment history of each of your accounts clearly highlights any missed or late payment with a simple red, amber or green marker
• contact information for the companies who have carried out a credit search or have provided you with credit
• confirms whether or not you are registered to vote at your current address
• shows all linked or related addresses relating to you as an individual
Accessing to your credit data has never been easier and the good news is that any errors or omissions can be rectified before they get in your way.
Click here and check out your credit report uk now.
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