check my credit score

How can I Check My Credit Score? Answers here!

If you are thinking “how can I check my credit score” as well as some tips on how to keep your credit score high keep reading. Checking your own credit will never harm your credit rating; it’s a common misconception. It is always worth checking with the credit reference agencies your score today.

Your credit report information usually displays the following:

  • Your Creditors (credit cards, personal loans, mobile phone services, store cards etc)
  • Your Credit History
  • Your Financial History
  • Your Electoral Roll status
  • Any Financial Associations
  • Any Credit Risk

Why checking your credit score is important

Checking your credit score is simple and frequently free. However, you could be surprised to learn that your score varies depending on where you check it. That’s because most of the free credit score solutions use one of the following:

Because the scoring method may differ, the underlying data on your credit reports might not be identical with each credit reference agency.

Checking your credit file isn’t simply to monitor your progress. It’s important to keep track of because it can show potential fraudulent activity, like if someone stole your personal information and racked up a bunch of debt in your name. If you see any strange activity or delinquent payments on your report, that can be an indication that something is wrong. Checking in on your score from time-to-time is one way help make sure your credit accounts stay safe.

Checking your full credit report is a good idea before applying for any loans. You’ll then be able to tell if there are any big errors which could result in a loan denial.

Free credit report tools online

If you’re looking for a free method to check your credit report, you have several choices with free access. Financial institutions such as banks, credit card companies, credit unions, and other lenders make free basic credit reports and credit monitoring services readily available.

If you’re looking for credit monitoring services, you have a lot of alternatives to pick from. These services are offered as a safeguard against identity theft. If the firm monitoring your credit discovers any significant changes, such as an additional loan account being opened, it will notify you via email or text message. These services can assist you in maintaining track of your credit report, but be sure to read up on whether there will be any subscription charges before signing up.

Financial institutions that offer a free credit report to members

There are many other financial institutions that provide free reports. To be eligible for these initiatives, you must be a current or renewing client or member of the organisation.

Hundreds of institutions participate in the FICO Score Open Access program, which provides their customers with a free FICO credit score and credit information. We’ve highlighted some of the major businesses below, as well as those that provide you with access to scores that aren’t readily available for free. You may discover a more complete list on FICO’s website.

Purchase your credit scores (when it makes sense)

Paying for access to your credit score with credit reference agencies may not make sense at first glance, but there are a few exceptions where you might want to consider buying a credit score service. In most cases, however, you can get this information from the three major credit bureaus.

For example, the paid credit score services may include theft insurance, if your information is on the dark web and credit monitoring in addition to your report. If you’re considering paying for those features anyway, you might as well get a credit score from the same company. The paid option might also give you more frequent access to updated scores and reports than a free service would.

Struggling with Debts?

If you’re struggling with debts, contact us to find out about a wide range of other debt solutions that help people deal with their debts and get on with living their life.

Pick up the phone and call for free debt advice on 0800 169 1536 to speak with one of our fully trained advisors for free advice. They will take the time to listen to you and learn about your debt, your life, and what you hope to achieve. Our team is empathetic to your situation and will work with you find a solution that meets YOUR unique needs–not anyone else’s.

Call us today on 0800 169 1536 for confidential, no-obligation debt advice. Or you can complete and submit our online Debt Help form and we’ll call you back.

Face-to-face support is available but if you would like to have a debt advice conversation through WhatsApp contact us on 07762 145 581

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Customers can get free debt advice from the Money Advice Service – an organisation set up by the Government to offer free and impartial advice to those in debt. For more information from the Money Advice Service visit MAS is part of the Money & Pensions Service. We are not affiliated with MAS in any way.

Become Debt Free is a trading style of Re10 (Finance) Limited Registered Number 04651137.  Data Protection Act Registration Number – Z8613095

Become Debt Free specialise in providing and administering Individual Voluntary Arrangement (“IVA”) solutions to individuals based in England, Wales and Northern Ireland.  We do not administer Debt Management Plans, Debt Relief Orders, or any other debt solutions.  We only provide advice after completing or receiving an initial fact find where the individual(s) concerned meets the criteria for an IVA, therefore, all advice is given in reasonable contemplation of an insolvency appointment.

* To qualify for debt write off in an IVA with us, you must have a minimum of £7,000 of qualifying unsecured debt owed to two or more creditors.  The amount of debt write off is based on your own personal circumstances – typically this could be up to 85% of what you owe; and this has been achieved by over 10% of our customers who have successfully completed their IVA’s in the last 12 months.  The amount of debt write off differs for each customer and is dependent upon their individual financial circumstances and subject to the approval of their creditors.

Andrew Bowers is authorised in the UK to act as Insolvency Practitioner by the Insolvency Practitioners Association.


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