Very often our credit file is checked, whether it’s for a background check, to apply for a store card or something as big as buying your first home or car! So it is handy to keep an eye on just what is going on and you can do this by getting a free credit report, doing this can also put your mind at ease if you’re having and problems and help you to fix them.
Most people think that the only way they can get information on their credit file is to pay out money to various companies or even use a company who you may not be sure will keep your information safe or indeed even be accurate. However a lot of well known companies now offer free trials so you can be sent your credit file via email or through the regular postal system.
Make sure you know the terms and conditions of the trial however as somewhere along the line you will be asked for bank or card details which means after the trial is over you will then probably be entered into a recurring payment scheme to get updates on your file if it changes.
Make sure that you cancel it after the free trial is finished, most usually offer the first month for free. Try and do this over the phone and get a reference number so you don’t get tied into a contract or agreement that could see you having to pay for the service every month for a year or so!
Look over your file carefully and if possible take a record of it as once the trial is over you may not be able to access that information any longer. Note down anything that may be worrying you especially any entries in there that you might not be agreeing with, especially applications for credit that you don’t recall.
The reason for this is that checking your credit file doesn’t just mean you can see how good or bad it is looking but also you can check to see if there has been any cases of fraud or any attempts to steal your identity. Often this is one of the ways people find out!
And remember to keep your file in good order, if it shows that you have fallen behind on any repayments then make sure to catch up and don’t go applying for credit often. Lenders won’t like this as it shows you may be desperate and if you’re in debt get some professional free advice!
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