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Free credit report

If you are applying for financial products such as credit cards and loans, or are worried about your credit history, you may well want to look at your credit report to see where you stand in the eyes of your lenders.

However, you may just want to check that the details kept on your file are correct, or protect yourself from the ever increasing prominence of identity fraud.

There could be errors on your report that will affect your chances of being accepted for credit. If you have made a late payment, been a victim of fraud or if someone has made a clerical error on your file, then you are more likely to be refused credit.

If you do get accepted for credit with these errors on your file, you will likely have to pay higher interest rates because you will be a higher risk in the eyes of your lender.

Credit Expert, the online credit monitoring and identity fraud protection service from Experian, can provide you with a copy of your credit report and help you to manage the information within it.

What’s more, they offer a 30-day free trial to new customers.

During this 30-day trial period, you can look at your credit report online as often as you like and read the helpful information on the site to learn more about credit-related topics.

Additionally, members will benefit from the knowledge that whenever a significant change occurs on their credit report, Credit Expert will send them an alert so that fast action can be taken.

So far, 20 million people worldwide have viewed their free online Experian credit report.

If you would like to join them, click on the advertisement above and start your free trial today.

 

Our guide on How to improve your credit rating will explain everything we think you need to know about credit reports and how to make your report more attractive to future lenders. 

Did you know?

£56,058 was the average household debt (including mortgages) in February 2012.

Source: Credit Action (www.creditaction.org.uk)

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