Obtain a free credit report and put your mind at rest

Understanding your credit worthiness and also how you are assessed by financial organisations is important, especially if you are considering applying for credit in the near future. Before you do it may be worth your while to check your credit file for any inaccuracies or signs of fraudulent activity.
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You may have heard people talk about credit ratings, credit score and even credit history. All of those are linked and can be viewed via a credit report. Now, it is easier than ever to quickly find the status of your credit rating by obtaining a free credit report. A typical credit report would include the following details:
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Profile information. This will include your name, current address, date of birth, previous addresses and the length of residency at addresses, both past and present. Electoral roll information will contain details from your local authority and matches your address information to the electoral roll.
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The report will also have aliases – a section that details any other names provided by lenders that you may have been known by, such as maiden names or different layouts of your middle name or initial.
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The financial associations section shows details of anyone to whom you are financially connected. This information is created by joint applications made, or by information provided by you directly to the credit referencing agency.
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The report also contains public information that may exist relating to any CCJS, bankruptcy, an order of discharge or IVAs (individual voluntary arrangements) in which you were named.
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Account information – here in your free <a onClick=”javascript:pageTracker._trackPageview(‘/outgoing/article_exit_link’);” href=”credit”>http://www.creditexpert.co.uk/credit-score.aspx”>credit report</a> you will find details of any credit agreements you may have or have completed with lenders. Each lender will show a current status history showing whether your payments are up-to-date, the current balance and the type of agreement that you have with the lender. It will also show the date of latest update of that information.
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Information detailing financial organisations that have examined your credit record previously is also included. These are carried out by an organisation with which you applied for credit or already have an account as part of their routine risk management checks.
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Other information is also held on your credit report, such as details of any repossession orders, linked addresses, records from the UK’s fraud prevention service and gone away (had mail returned re-opened from an address) information – if applicable.
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Once in possession of a credit report and you spot anything untoward you can contact the credit referencing agency and get those inaccuracies corrected or investigated.
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