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What is your credit report?

It is a history of all past borrowing and repayments between you and your creditors. Creditors such as banks, credit card and mobile phone companies use this to calculate the amount of money and the risk of lending to you. This is referred to as your credit score. If you have missed repayments and have debts in arrears, they will be marked on your credit file which will lower your credit score making it hard to gain credit in the future.

Why sign up to get unlimited access to your credit report with Credit Expert?

There are many reason why you should order your credit report:

• Free 30 day trial:

Get unlimited access to your credit report free for the first 30 days. Cancel before the end of the trial period and you won't be charged a penny.

• Help prevent and alert identity fraud:

Identity theft is a major problem within the UK allowing criminals to gain credit in someone elses name. Each time your identity is used to gain credit your credit report will be flagged and an alert will be sent to your mobile via SMS text and E-mail. This will help alert you to any fraudulent credit applications being made in your name.

• Being refused credit:

This can be for many reasons but unless you get access to your credit report you cannot find out. The creditors are unable to tell you why you have failed. It is possible that a mistake has been made on your credit file making it impossible for you to get credit. Gaining access to your credit report allows you to identify any possible mistakes.

• Unlimited online access to your credit report:

Get 24hr access to your credit report with SMS text and E-mail alerts every time your credit report is modified

• Improve your credit score:

If you have missed payments in the past and have damaged your credit score and you now want to improve it, ordering your credit report will allow you to start to understand how the credit scoring system works and help you manage your credit status.