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View my Credit Report ~ Lagoon Secured Loans ~ No hassle any purpose loans ~ Latest News |
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View my Credit Report
Would you like to know what is held on your Credit Report?
You may have heard terms like ‘blacklisted’ and ‘bad credit history’. You may have been declined for credit or maybe you would like to see your credit status prior to taking out a Secured Loan.
Identity Fraud is also a growing concern. Maybe you want to ensure that all the credit registered on your Credit Report is YOURS!
All this information can be found out by accessing your personal Credit Report.
Your Credit Report affects your personal credit rating amongst lending institutions (banks, credit card companies, mortgage lenders, secured loans companies). Less known is the other users of Credit Reports which include; retailers, mobile phone companies, and Utility companies who may also refer to their customer’s person credit report. There is also an increasing trend for Employers to access the credit report of their staff. As such your credit report can affect various aspects of your life for instance; whether you are accepted for secured loans, loans, credit cards and mortgages. Many Secured Loans institutions use your credit report to define what interest rate you are charged for the services (e.g. the better the credit report, the cheaper the interest rate).
You generally have to give a company your consent for them to access your credit report. This consent is often contained amongst the small print on various Application forms and Proposals.
Within the UK there are two main firms (agencies) which hold you Credit File; Experian and Equifax. Information is passed to these agencies by the companies you have dealings with e.g. lenders, banks, credit card firms, secured loans companies, mobile phone companies etc.
Errors are sometimes made which can lead to your credit rating being severally affected. If not corrected errors can blight various aspects of your day-to-day life.
Can I see my Credit Report and can I correct any errors?
Yes you can, the largest credit report agency, Experian offers internet access to you personal Credit Report. They allow you to view your credit report and to keep track of it so that you always know who is accessing your personal details by sending you out alerts. It can also help prevent you from becoming a victim of ID Fraud
Your credit report will also tell you details of the Electoral Roll of your property, whether you have any County Court Judgments (CCJ), Bankruptcy or creditor arrangements such as IVA’s (Individual Voluntary Arrangement).
The service offered by Experian is called ‘CreditExpert’ and offers a 30-day free trial of the personal credit report monitoring service, which also includes a free personal credit report. In addition, the service comes with a 90-day money back guarantee, an online quarterly newsletter with topical articles and features on personal finance issues, access to useful tools and calculators to help you with personal finance decisions and numerous online resources to address potential credit queries.
The content, advice and any recommendations given on this page or any page of our website is given without legal responsibility. For specific advice about your own personal circumstances you should seek independent advice for example from your local citizens advice bureau, a solicitor or an accountant.
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