CREDIT STATUS



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Monitor Your Credit Rating

• EQUIFAX :

1.)Manage your credit history – one of your most important financial assets
Today more than ever, lenders and other service providers use your credit history to make decisions about whether to extend you new credit and services. And checking your credit report regularly is one of the best ways to help you get the credit you deserve.

We make it easy to understand what aspects the lender uses to make a credit decision, helping you get that credit or loan you want.

Order your Equifax Credit Report now!

2.) Understand your credit rating and improve your potential to get the best credit.
Your credit rating often determines the credit you receive - both the amount of the loan you qualify for and the rate you receive.

So if you are preparing to secure credit or a loan, first get your Equifax Credit Rating, which includes your Equifax Credit Report.

Follow our top tips to help you improve your credit score and have the potential to negotiate better interest rates.

3.) Now there's a simple, automated way to help detect and protect against the impact of identity theft
Regularly checking your credit report for changes you did not make is one of the best ways to combat identity theft.

Equifax Credit Watch makes monitoring your report easy by automatically alerting you within 24 hours of key changes in your Equifax Credit Report so you can act before serious damage is done.

Order now, instantly online.

4.) Do you know what your credit history says about you?
Equifax can help you find out!

• Equifax Credit Report – refused credit and don’t know why? Get your credit report instantly online.
• Equifax Credit Rating – about to make a major purchase and want the potential to negotiate better interest rates.
• Equifax Credit Watch – concerned about your identity? Receive alerts and react fast to fraud.

Understanding your credit has never been easier. Order now, instantly online !

 

 

WHAT INFORMATION IS CONTAINED IN A CREDIT REPORT?

Credit references agencies – the largest in the UK is Experian – collate information about your financial background and past behaviour and format this data into your unique credit report.

Click here to see your Experian credit report online for FREE

Lenders see this information when they decide whether or not to offer you a loan, mortgage or credit card. It influences their assessment of the likelihood that you will repay them.

Information comes from two main sources:

• Public records, such as court judgements, individual voluntary arrangements and bankruptcies. Your credit report also shows whether you are registered to vote – lenders use this as a precaution against fraud, to check that you are who you claim to be and live where you say you do.

• Information from lenders and financial institutions, such as records of the number of loans you have and whether you have ever missed a repayment.


It’s important that all this information is as up to date as possible and correctly reflects your circumstances. Then lenders will make the best-informed decisions – and you will get the right deal.

The easy way to check your credit report is to log onto CreditExpert, the credit monitoring and identity protection service from Experian. Click here for a free, 30-day trial, which will allow you to see your credit report as often as you like.