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I Check My Credit

Checking your credit is an advisable thing for everyone to do at least annually. There are often errors on some credit reports and so studying your credit report will confirm the data accuracy that lenders may have about you. The various credit reference agencies are in possession of your information but they do not supply it, it is simply the personal details and figures that any lender you have borrowed from has forwarded to them.

They do not query this unless you request a copy of your credit report and find it to be inaccurate.

If you spot any mistakes, however small then you can ask for them to be amended accordingly.

There are many other reasons for wanting to check your credit and one of the main ones is in order to prevent identity theft. If you see any irregular searches that are not attributable to you then someone may have been trying to apply for credit on your behalf. Identity theft is a serious problem and also a crime. A quick inspection of your personal files can help you help yourself from being a victim of this.

You will find that if you rent a property, apply to buy one, or take a new job then all these situations may warrant a credit search. The searches that have been made will be dated and listed along with any other relevant details.

If you apply for credit and are declined then it is important to check the information that is held about you. If you check first and the data is wrong then it can be corrected before you reapply. Credit reference companies will often consult the electoral register as well as county court judgements and other documents along side your application form in order to make a decision. This will be based on where you have lived for the past few years, your credit history breakdown and any other applications for credit that you have made in the past.

So how do I apply for a credit check ?

You will have to provide your full name, address, and postcode along with a small fee and in return you should receive a reply within 7 days. You can then proceed with any transactions and applications and you will know everything the potential lender will see about your credit history. There is more chance of success with a good record.

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