With a credit expert report, you can have unlimited access to your personal financial data, and will be able to get free advice and assistance from a credit expert. A credit expert can help you understand your report and give you tips on how to manage it and make it work for you.

If you have been refused credit in the past, but don't know why, your credit report could hold the answer. Your credit report is a record of your financial history and holds information about any loans, credit cards or mortgages you have, it has records all your repayments, including any you have missed, and also carries a a list of any financial products you have applied for and any court judgements outstanding against you. Lenders can see all this information, and along with your application form, they use it to make a decision about:

  • Whether or not to lend you money
  • How much credit to give you
  • How much they think you can afford
  • Interest rates

Your credit report also holds details about your current address – information taken from the electoral role. Lenders also find this useful because it means they can check you are who you say you are and live where you say you live, so helps them understand how reliable you are. It also acts as a protection against ID theft, because each time an application for credit is taken out in your name; it appears on your credit report – and if you know it wasn't you, you can alert the authorities to a possible fraud case.

If you feel details on your report are incorrect or misleading, a credit expert can help you to challenge them, which could improve your rating. To find out more, get your free Experian credit report today - just click on the link.

Credit Report Providers
ProviderChargesCredit MonitoringIdentity AlertsFeaturesMore Info
£19.95
pm
yesyesFREE 7 Day Trial. Note that you can cancel your subscription without any charge by calling UK Credit Ratings before the end of the Free 7 Day Trial period.More Info >

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.