Online Credit Reports
Whenever you apply for a credit card, loan or mortgage your credit report is checked by your potential lender to help them decide if they want to lend to you and so that they can determine the interest rate that they will charge you.
It is possible for you to get online access to the same credit reports that the lenders use for each Credit Reference Agency in the UK.
These online reports have detailed content to help you understand what is in the report and what effect your details might have on your ability to get credit.
AGENCIES NORMALLY CHARGE A FEE FOR ACCESS TO YOUR CREDIT REPORTS.
Normally the agencies will charge you a fee for the use of these online services, but the reports they provide are much better than the statutory paper copies you can get through the post. However you can now access your reports for free.
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Currently it is possible to get FREE online access to your credit reports at all of the main 3 credit reference agencies.
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This allows you to view your credit reports online without charge for 30 days.
Just click on the button at the top or bottom of this page to get free instant access to your credit reports.
If you have never done it before you really ought to make the most of this opportunity and check your credit reports, if only to find out what they include and what they don't include, so you can see how important they really are.
STATUTORY CREDIT REPORT PAPER COPIES
Paper copies of your credit reports are also avaiable from the agencies, but they do not contain as much detail as the credit file versions which you can access online.
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In the United Kingdom everyone has the right to get a paper copy of their own credit report from each of the Credit Reference Agencies for a nominal payment of just £2.
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Once you have requested a copy and paid for it, the paper copy will then be sent to you through the post.
You can order these online at the appropriate website for each agency or you can write to them. Click on the button below and follow the link to the relevant Credit Bureau to get more details.
Include a £2 cheque made out to the credit agency with your letter and make sure you provide your full name, your date of birth, your current address and any other addresses where you have lived at any time in the past 6 years.
Also if you have changed your name for any reason at sometime in the last 6 years then you should provide your previous name or names as well.
It is easy to check your credit report and you can do it online now for free...
Your Credit Reports will provide information on your current credit status and your credit record, which will show you complete details of your credit history in the UK.
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