Experian credit check

Credit checks are so important these days. Everything from credit and store cards, to bank loans and mortgages will be decided on credit checks made against your name. What many people don't realise is that they can credit check their own credit report in order to see what information the credit agencies hold on their credit history and what lenders see when you apply for credit.

Why run your own credit check?

A credit rating is one of those invisible factors that can actually play a significant role in your life. Not only can a poor credit rating exclude you from offers, products and services, it could also affect your ability to open a bank account, get certain jobs or even get a roof over your head.

Whenever you apply for credit, the credit provider will run a credit check before deciding whether to let you have their products, services or loans. If your credit check indicates that you may represent a credit risk for some reason, two things can happen.

• As a result of a poor credit check, you may be refused the product or service you want
• You may be offered credit, but at a higher rate because of the perceived risk to the lender

Making a credit check on your own file will allow you to see if you have credit problems. It will also show if you have been the victim of ID fraud, or if there are historical mistakes that are compromising your credit score.

Experian credit check - fast and available FREE

Experian credit checks are fast and available free. Experian is the UK's largest credit reference agency. Members of our CreditExpert subscription service can get SMS and e-mail alerts when information on their credit report changes.

Apply now for your free credit report trial to credit check your Experian credit report