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UK Credit Score / Credit Reference Products
Credit Reference agencies are your gateway to obtaining credit. As anyone with a chequered credit history may know, a poor credit rating can lead to all kinds of problems in obtaining credit cards, loans, mortgages and other types of credit. In fact, beyond restricting credit, a poor credit score will often lead you to paying a higher interest rate on even the lines of credit which you are able to get. Nonetheless, your credit score is not fixed in stone, and over time you can improve your credit score by paying bills on time, and by ensuring that you keep your spending under control, etc. Given the importance of your credit rating, it's vital to keep tabs on the data which credit reference agencies hold on you, and it's especially useful to know your credit score before applying for any type of new credit. Of course, keeping a close eye on your credit reference also helps to minimise the possibility of identity theft.
With your Equifax Credit Rating
, from Equifax Personal Credit Solutions
, you get to see your actual credit score, which is probably the single most important piece of information used by lenders to qualify you for credit; purchase of your Equifax
Credit Rating also includes your Equifax
Credit Report. Your personal credit rating often determines not only whether you receive credit at all, but also the amount of the loan you qualify for and the interest rate you receive it at. So if you are hoping to secure some type of credit or a loan, it makes good sense to begin by finding out how the lender sees you.
Some credit reference agencies may get a bad rap sometimes but, at the end of the day, unless you're able to take charge of your finances - and thus make the credit-reference-gods happy - your credit rating can easily count against you, and you may often end up being denied credit altogether, or else paying higher interest rates than you otherwise may have done. Most financial experts agree that checking your credit report regularly is one of the best ways to ensure you get the credit you deserve, and Equifax
Credit Report, from Equifax Personal Credit Solutions
, provides exactly that.
According to the British Home Office, one of the UK's fastest-growing crimes is identity theft. In fact, some studies show that identity theft is increasing at a rate of more than 500% each year. However, while you may not always be able to prevent identity theft, regularly checking your credit report is one of the most effective ways to combat this pernicious crime. The Equifax
Credit Watch tool, from Equifax Personal Credit Solutions
, makes monitoring your credit report as easy as it gets, by automatically alerting you within 24 hours of key changes in your Equifax
The Credit Expert service, provided by Experian
, is an online credit-monitoring and identity-fraud protection service for individuals. As one of the leading UK credit reference agencies, the Experian
Credit Expert service helps people to keep abreast of their credit obligations, credit status and their credit history: Credit Expert also helps enable consumers to make better-informed financial decisions when they apply for new credit, such as mortgages or credit cards, for example.
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