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Your Credit Score

Reasons to check your credit report

• I have been turned down for credit

  Knowing the facts about your credit profile and your credit score can help you to identify any areas that need correcting or could be improved, to help you improve your chances of being accepted for credit and also getting the best interest rates.

  • View your Credit Report and credit score, and understand what your credit rating is and what it means
  • Keep track of changes to your credit profile
  • Make sure your credit profile information is accurate
  • Find out how you may be able to improve your credit rating and credit score
  • Support when you need it from our specialist agents

• I want to improve my credit rating

  By managing your credit profile you can see how your financial status is viewed by lenders or other organisations that are likely to check it, such as when you open a bank account, take out a contract-based service or even apply for a job with potential employers.

  My Credit Tracker gives you full access to your Credit Report and credit score, giving an indication of how prospective lenders may view you. Take our online credit assessment to understand what's behind your current score and how you could potentially improve it.

  You also have access to our UK-based support team who can help answer any enquiries about your Credit Report, as well as helping you to correct any errors on it, plus practical guidance on the steps you can consider taking to help improve your credit score.

• I am applying for a mortgage

  When you apply for a mortgage your credit profile may be accessed by the lender. Others organisations with a legitimate reason to view your profile may also examine it.

  Monitoring your Credit Report – including who has accessed it – is all part of the My Credit Tracker service. You'll know whenever an organisation has looked at your credit profile.

  When you apply for a mortgage, lenders will assess your credit score which is calculated using the information contained within your credit profile. Scores range from 0 to 999. The higher your score, the easier you should find it to borrow money, buy goods on credit, and importantly, get that mortgage. A high score also makes getting a better deal or paying a lower interest rate much easier.

• I am applying for
  a loan

  Applying for a loan will usually result in the lender checking your credit profile and score. The better your credit profile, the more likely you will be accepted for that loan.

  Your personal Credit Report is put together by our experienced team of analysts. Written in an easy-to-understand way, it's a summary of the information held on you within your credit profile. Your Credit Report is produced by TransUnion, a UK credit reference agency. It contains, for example, financial information provided by lenders such as banks and credit card companies.

  By checking your Credit Report, you can see the information that lenders or other organisations learn about you. Although they may use additional factors to make a lending decision, you can get a good idea of how you will be viewed.

• I am worried about ID theft

  Identity theft is increasing and criminals are getting even smarter about stealing your personal information. If you become a victim of fraud, it can leave you with problems that are difficult and time consuming to resolve.^‡

  • Are there any entries on your bank statements that you dont recognise?
  • Have you received post that you weren't expecting?
  • Have you been chased for a payment you were unaware of?

  Even if you check your accounts every day it could be possible for fraudulent activity to be taking place without you noticing it. Sometimes, this crime can go unnoticed for years. By checking your Credit Report, you can ensure that all the information held about is correct and, if not, we'll be there to help you put it right.

  ^‡source: www.cifas.org.uk

*After your 30 day free trial, a monthly membership fee of £7.99 (which includes VAT and is equivalent to £95.88 per year) will be billed to the payment details you provide us. You can cancel your membership at any time by calling 0344 381 4165. If you cancel within your free trial no fees will be payable. If you cancel after your free trial, no further monthly fees will be payable from the date of cancellation. However, no monthly fees already paid will be refundable.

^†Following credit reference agency validation