Credit Check Results

WHAT INFORMATION CAN YOU EXPECT TO FIND IN A CREDIT REPORT?

Experian is the largest Credit reference agency in the UK – They compile information about your financial history and past payment behaviour and use this data to create your credit report which will be unique to you.

Click here to see your Experian credit report online for FREE

Interested parties will use this information when they decide whether or not to offer you a mobile phone a loan, mortgage or credit card. It is used in their assessment of the likelihood or ability to repay them.

Information comes from two main sources; Public records, such as County Court Judgment’s, individual voluntary arrangements or IVA’s and Bankruptcies. Your credit report will also show whether you are have been registered on the "voter’s role" – lenders use this as a precaution against fraud, to check that you are who you say you are and that you live where you claim to live.

Information from lenders and financial institutions, such as records of the number of loans or other financial agreement’s you have and whether or not you have ever been late with a repayment or missed one completely.

It is of the utmost importance all information held about you is as upto date as possible and reflects correctly your current circumstances. Then lenders are then able to make the best-informed decisions – and you will get the right deal for your situation.

One of the best ways to check your credit report is to log onto CreditExpert, the credit monitoring and identity protection service from Experian. Click here for a free, 30-day trial, which will allow you to see your credit report as often as you like If you find anything you do not agree with or would like to clarify the reasons for an entry, CreditExpert will be there to help you correct the records.