Applying for new credit? Make sure you have a good credit rating before you start!
Why you should check your report?
Typically, lenders contact CreditExpert from Experian or other similar credit reference agencies to assess your credit rating when deciding whether to offer you credit. The check may also influence the interest you will be charged, so scrutinising your Credit Report could save you money if you are thinking of applying for a loan, a mortgage, credit card or any product that may require a credit check.
The information on your Credit Report is compiled from various data resources, so it is essential you make sure the facts are correct and up to date and reflects your financial situation. Your report may also highlight identity fraud, one of the fastest growing crimes in the UK today. If you disagree with any information on your report you may write to the agency and request that it be changed.
Your credit rating may also be improved by ensuring you are registered on the electoral roll, cancelling unused credit cards and paying all existing bills on time.
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