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How to get a credit report in the UK

Everyone wants to check their credit rate at sometime during their lifetime. However, getting a credit report can be sometimes difficult and especially if you have no idea where to look. This article will discuss how you can get your own personal credit report in the United Kingdom.

How to get my credit score?

How to get my credit score?
There are many websites on the Internet that offer you the chance to get a free credit report. They check your credit rating for free. Why should you get a credit report? A credit report offers vital information about your credit history. The information in your credit report serves as a reference point for financial institutions considering your creditworthiness. You should check your personal credit report at least twice a year to make sure that the information is correct. Your credit report will contain information on whether or not you have missed, or have been late on your payments in the past (and how late you were). It will also provide details such as your current and previous addresses, social security number, any credit card accounts and current balances that you may have, as well as past credit card accounts (often referred to as “Revolving Credit”) even if those accounts have been closed or canceled. This report also lists any auto loans and mortgages
(along with balances and how diligent you are about making the payments), or any other sort of loan or credit which you were issued, providing the lender reports the information to the credit bureaus on a regular basis, most of them do. Moreover, the number of times you have recently applied for credit (credit inquiries) will be available to view as well, along with information on any collections, past due accounts. Identity theft is one of the fastest-rising white collar crimes in the world. It takes an identity thief only a couple of seconds to steal your information and possibly cause damage your credit report. For many people, inaccuracies, unknown accounts, or strange account activity in your credit report is the first sign of identity theft. Checking it on a regular basis is an excellent way to ensure it is 100% accurate, and will help to protect you from this damaging crime.

Where

There are websites on the Internet which want to offer you this service. However, ensure that you research the company you choose to provide your financial report to before you give your personal details.

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