Check Your Credit File
What's in a credit report?
Credit references agencies collate information
about your financial background and past behaviour and format this
data into your unique credit report.
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.
[ Click here for 30 day free trail
]
View your credit report
- See who's been checking your report
- Look for potential inaccuracies
Insurance
- Identity Protection Insurance covering you for up to
£75,000*
- Includes access to the Victims of Fraud Team
Know your Score
- See what's affecting your credit rating
- Get credit products matched to your profile
Information comes from two main sources:
1) 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.
2) 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.
[ Click here for 30 day free trail
]
