How to check your credit report for free
From time to time we all have to rely on additional credit to help make life’s big purchases easier to afford.
Whether you’re applying for a mortgage for your first home, a personal loan for a car or a hire purchase agreement for some furniture, lenders will run a credit check to find out if you meet their lending criteria.
The credit report contains details on your borrowing and repayment history and it’s this information they will base their decision on.
It’s important to remember that lender searches will show up on your file – so if you continually apply for credit, it could damage your score.
If you want to check your score prior to applying for credit, you could request a copy of your credit report first. This will not affect your credit rating.
UK Credit Ratings is currently offering people a free 7 day trial – so if you want access to your report, this is a great tool to use.
UK Credit Ratings offer a monthly subscription service that gives people:
- Instant real-time access to credit reports
- Unlimited online access
- Ability to dispute errors online
- Credit score improvement tips
- Instant Identity notifications
- Customer service support
These benefits will be available to you during your free 7 day trial, but if you want to continue with the service after the trial period, a fee will apply. More details can be found here.