CREDIT REFERENCE AGENCIES - CREDIT REPORTS

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Please see a list of services offering access to your credit report. By viewing your credit report online, you can see what it is that banks and lenders see when they assess your credit report. It is recommended for you to check your credit report at least once a year, to make sure that the information contained within your credit report is correct and up to date. Some people are turned down for a loan application thanks to incorrect information in their credit report – it may show an unsettled debt which you did actually pay off. Prevent this kind of thing from happening by having a regular credit check and requesting corrections. Most companies offering credit reports and credit checks provide a free trial period after which you can choose to keep a regular subscription to keep up to speed on your credit status. Use the table below to compare essential features when having your credit check, like how much the regular credit report subscription costs.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERPRODUCTS

PRODUCTS

Products available

FREE TRIAL

FREE TRIAL

Free trial period

COSTS

COSTS

Cost of credit report subscription

CANCELLATION

CANCELLATION

Cancellation fees and time period

CREDIT REPAIR

CREDIT REPAIR

Credit rebuild options

TERMS

TERMS

Terms and conditions of credit report

MORE INFO

Credit Expert
Credit Expert

Credit Report, Identity Fraud Expenses Insurance30 Day Free Trial£14.90 p.m.Call on freephone number anytimeHints and TipsTerms and Conditions

Terms

Monthly fee applies after free trial

Credit Expert
CreditExpert is the UK’s leading online consumer credit check monitoring and identity fraud expenses insurance. Consumers get FREE and unlimited real-time online access to their credit reports for the trial period of 30 days. You also receive advice and tips on how to improve your credit rating and alerts anytime your credit score changes. *Monthly fee applies after free trial, new customers only. Before you apply for a credit report make sure that you read the terms and conditions carefully to ensure that you understand what you are purchasing. DETAIL INFORMATION >>Services

Services

1. Credit report.
2. Helpful advice to rebuild your credit rating.
3.Enhanced Experian Victims of Fraud service to support those who fear they have been a victim of fraud
4. Freephone (0800) award winning customer support team
5. Mobile: 0344 481 0800 (National rates apply


Advantages

Advantages

1. Unlimited online access to your Experian credit report
2. The opportunity to review your credit history before you apply for credit
3. Weekly email or text alerts for potential identity fraud detection
4. See your current Experian credit score
5. Advice from credit report specialists


Disadvantages

Disadvantages

1. £14.99 a month after trial period ends.

Equifax Credit Report
Equifax Credit Report

Credit Management and Identity Protection30 days£6.99 p.m.30 daysHint and tipsTerms and Conditions

Terms

1. Cancellation after 31st day of the first Year:
2. Partial refunds of the purchase price based on the length of time you were a subscriber to the Subscription Product.
3. No refunds are payable for any cancellation in the last three months of any Year.
4. There are no refunds payable for one-off purchases of your credit report or credit rating.

Equifax Credit Report
Equifax offers to empower business and consumers with information they can trust. You can activate your free, 30 day no obligations credit check trial, online which will help you to understand your credit report, what aspects lenders use to make credit decisions and receive expert tips. Before you apply for a credit report make sure that you read the terms and conditions carefully to ensure that you understand what you are purchasing. Credit reports are serious financial products, if in doubt seek financial advice. DETAIL INFORMATION >>Services

Services

1. Credit Management
2. Identity Protection
3. Get a free credit report.
4. Find out your credit rating.


Advantages

Advantages

1. No obligation 30 day FREE trial.
2. Immediate unlimited online access to your Equifax credit file.
3. Weekly alerts of any significant changes to your credit file.
4. Expert tips to help you understand your credit report
5. Online dispute facility to help you correct any errors quickly and simply.
6. Comprehensive support from the Customer Care team


Disadvantages

Disadvantages

1. £6.99 per month to continue if you don't cancel within your 30 day free trial.
2. No refunds are payable for any cancellation in the last three months of any Year.

Check My File Annual Credit Report
Check My File Annual Credit Report

Credit Score and Credit Report30 Day Free Trial£4.99 p.m.AnytimeHelpful hints and tipsTerms and Conditions

Terms

If you subscribe to our Credit Report Monitoring services and if you do not cancel within the 30 day free trial period, you authorise us until further notice to charge your nominated card or account with the renewal subscription at each appropriate interval after your initial purchase. The 30 day free trial offer is available only to new customers on a one time only basis.

Check My File Annual Credit Report
View the UK’s most detailed credit report - completely free for 30 days. No one else provides data from all three credit reference agencies, at different levels, which enables you to check whether judgment, insolvency, bankruptcy or electoral roll information is held at Callcredit, Equifax or Experian, and to compare exactly what is held at each, on one screen. *Monthly fee applies after free trial, new customers only. Please make sure that you read the terms and conditions of this credit report carefully. DETAIL INFORMATION >>Services

Services

Checking your Credit Report with us does not lower your Credit Score


Advantages

Advantages

1. Multi Agency Credit Reports
2. FREE Credit Score & Rating
3. FREE Identity Theft Assistance
4. Independent, Impartial, Expert Advice


Disadvantages

Disadvantages

1. After the 30 day trial you pay the monthly fee.

UK Credit Ratings
UK Credit Ratings

Credit Report Service7 Days£19.951 monthAsk on applicationTerms and Conditions

Terms

See website

UK Credit Ratings
Just a few steps are needed and you can view your free credit report and score! You can try it for free over a period of 7 days. The service includes Credit Monitoring, 24/7 Identity Alert and ID Theft Recovery Assistance - all for free! DETAIL INFORMATION >>Services

Services

Online Credit Report


Advantages

Advantages

1.Your Full Credit Report 

2.Free 24/7 Identity Alert 
3.Free ID Theft Recovery Assistance


Disadvantages

Disadvantages

Free trial runs out after 7 days

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

Compare Credit Reference Agencies

Make sure you credit report is correct and update to improve your chances of borrowing.

What is your credit report?

Your credit report is an important document that details all your financial history. Credit reports contain information about any current loans or credit cards you currently have or have had. It contains electoral roll information and whether you have had any CCJs, IVAS or been declared bankrupt. It holds all your payment history, any applications you have made and any debts you have had or are outstanding.

Why is a Credit Report important?

Credit reports are used by banks, building societies, lenders and other financial institutions to decide whether or not to grant you a loan or line of credit. Not only will a credit report determine whether or not you are suitable to lend money to but lenders will also use it to decide how much money to give you and what interest rate they will charge.

Unfortunately, you will find the better your credit report, the better products you will have access to. In general those with a good credit report are more likely to me given more money with lower interest rates.

Can you access your credit report?

Yes by law you have the right to request a copy of your credit file. By using a credit reference agency you can gain access to your own credit file.

They offer access to a copy of your credit rating and your credit report online, along with help and assistance to understand your file and how lenders and banks view you. Many agencies offer a free trial period and are free to register.

Why use a credit reference agency?

As mentioned your credit report is an important document so you need to make sure all the information in it is correct and accurately reflects your financial situation. This is because any information that is inaccurate, out of date or wrong can adversely affect whether or not you can get the product you want.

Another benefit of using a credit reference agency is that they can monitor you report for you. This will alert you to any activity that you do not recognise which could be potential identity fraud.

Finding the best service

Make sure you choose the company that can best offer you access to your report. Also look at whether they offer additional features such as fraud monitoring. Take the time to research the market and compare different services against each other which you can do in the table above.

Always read the terms and conditions fully and make sure you have a full breakdown of what fees are involved. Use the table above to compare different services that offer access to your credit report.

Watch out for free trials

Always read the terms and conditions before you commit to a particular credit reference agency. Watch out for any free trials that are on offer, you must ensure you cancel your membership before you are charged any fees.

CREDIT REFERENCE AGENCIES - LATEST NEWS News and Charts

Why A Bad Credit Loan Can Help You

13 July 2012 17:00
Lucy Williams

If you have a bad credit rating it can seriously affect your life. It has a big impact on a person’s ability to get a personal loan as well as your ability to receive mortgage loans. If you have a bad credit rating and are fed up of being rejected loans and so on then maybe it is time that you looked at getting a credit repair loan to help sort your financial situation out.

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Check Your Credit File for Fraud

25 October 2010
Which Way To Pay

Any idea what is in your credit file? The shocking cases of fraud and ID theft that strike Britons every day are enough to take action today!

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Is your Credit File Correct?

29 October 2009
Xenia Rainey (Which Way To Pay)

Credit reference agencies are becoming increasingly prominent in this new age of stricter lending. But it is has emerged that there are startling amounts of inaccuracies on people’s credit reports – meaning that it is more crucial than ever for people to check their rating.

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