Credit report free score

There are plenty of good reasons why you should check your credit rating - knowing what's in your credit report and what sort of credit rating you credit report free score have can not only help you better manage your finances, but it can help you get the credit you want.

Here we explain ten reasons why you should check your credit rating. 1. When you check your credit rating you get a snapshot of all your outstanding credit - you can credit report free score see all your credit accounts - your mobile phone, shopping catalogues and gas & electricity bills, as well as credit cards, loans and mortgages.

You can see how much you owe in one convenient place, giving you the big picture on your finances - and it's much easier than having to check all your different bills and statements.

2. Checking your credit rating can help you to apply for the right credit deals for you. If you know your credit rating and have seen the information lenders use to decide whether to lend to you or not, you can make sure you apply for the credit card, loan or mortgage that's right for credit report free score your credit profile. check report online free credit report  Find out more about getting the right credit card for your credit rating. If credit report free score you don't have a perfect credit history, being familiar with the contents of your credit report can help you to improve your credit rating, by alerting you to problem areas and highlighting any difficulties you are having managing your credit. 4. Your credit report has a handy list of all your lenders and their contact details, which is convenient if you need to get in touch, for example if you're moving house or your circumstances change in any other way. 5. There's also a record of all the addresses you've lived at in the last six years on your credit report, which can be really handy if you're filling in a job application form or if you want to open a new credit account. get free credit score 6. Your credit report lists every application for credit you've made in the last year, so you can make credit report free score sure you don't reapply to a lender who you have approached already. 7. You can make sure that lenders haven't misinterpreted a request for information as a full application for credit. Requests for information shouldn't show up on your account, and if these mistakenly show up as applications, it can damage your credit rating, as lenders don't like to see a large number of applications in a short period of credit report free score time. 8. If you spot any mistakes when you check your credit rating, you can correct them by contacting the relevant lender. You can also add something called a note of explanation if your circumstances caused credit problems, for example if you missed loan repayments because you were ill - but remember that you will need to be prepared to provide proof. 9. You can check your credit rating as many times as you want without it having a damaging effect on your credit record. a free credit report The checks are only visible to you and the credit reference agency - lenders can't see that you've checked your credit rating and it has no impact credit report free score on your credit score. 10. Checking your credit rating regularly is credit report free score recommended by the Home Office to help protect yourself against identity fraud.