Check Your Credit Report For Free
You may be one of the ninety five percent of people who have never checked their credit report. If this is the case, here are 5 reasons you should:
1. You want to apply for a credit card, loan, mortgage or any other credit
Lenders use the information in your credit report, alongside the data on your application form, when they decide whether to offer you credit. Checking your report first means that you can ensure that it accurately reflects your circumstances, which increases your chances of getting the deals you want.
2.You've been refused credit by a lender
Lenders sometimes reject an application if they believe you have outstanding loans, are over-extended or have missed repayments in the past.
The credit history of someone you share an account with can also affect your chances as can whether you are registered to vote or not. When you have identified any potential problems, then you can take action, for example, pay off a loans and/or register to vote.
3.You're concerned about identity theft
By checking your credit report regularly, you'll see if there is anything wrong, such as a loan you don't know about or an application for credit that you haven't made and stop the fraudster before they get any further.
4.You want to check that the information on your report is accurate
If you disagree with anything on your credit report, or think it needs explaining in more detail, you can set the record straight. For example, if illness caused you to miss a payment but this has never happened before or since, you can add a note explaining the circumstances.
5.Its free of charge
You can get a free copy of your credit report by visiting the website below. There are many places where you can obtain your credit report, but only a few companies can offer you it for free.
Visit the website below to get an instant copy of your credit report for free.
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