Why you should check your credit report…

Your credit rating really is a valuable asset. It determines not only whether you’ll be accepted for credit, but also the rate you’ll be asked to pay on everything from credit cards to car finance and personal loans.

By making sure that all the information held about you is correct, you can ensure that you stand the best possible chance of being accepted the next time you apply, and of getting the best interest rate.

There are three credit reference agencies in the UK who each hold information about you, including how you’ve paid your bills over the last six years, whether you’re on the electoral roll, how much outstanding debt your already have and more besides.

You can check this information yourself online with checkmyfile – the only place you can see all three files together in the same easy-to-understand format. Their Unlimited Access Service offers the best value for money, at just £17.99 a quarter for access to all three reports every month.

If you do find anything wrong on your reports, or need any help understanding them, they offer free phone customer support.

Calculate your Score for FREE

Find out your credit score FREE. No 'search footprint' is left on your credit reports - this is totally anonymous and is designed to help you to understand how credit scoring works.

Simply click through to the site, answer the questions and they will tell you your application credit score instantly - on a scale of 0 to 1000 - where the higher the score, the better it is. The average score is 750.

They will also tell you what your credit rating is on a range of one to five stars.

Plus they will tell you your Neighbourhood score, based on your postcode and based on our findings we'll estimate your personal credit score and your public credit score too. 

Click HERE to view your free credit report