Today in the UK you can now have instant access to get your free credit report online.
But what are the benefits of being able to see this record of your credit history and the other details that the credit reference agencies hold about you on your personal credit file.
Consumers in the US, UK and Australia can all get their hands on a free copy of their credit report to do a credit check on themselves. The systems in each country are different, and this article explains how consumers can go about getting a free credit report if they live in one of these [...]
Having negative credit can affect your entire life. Not only are banks, lenders and credit card issuers pulling your credit file, employers are now using credit history as a determinant in hiring. It is getting harder to escape the consequences of having bad credit. Not everyone with bad credit is late paying all of their [...]
Your employer probably saw a copy before hiring you and your landlord likely considered it before accepting you as a tenant. Long distance telephone carriers and cell phone companies even look at it before providing their services. And you’ve never even seen your own credit report?
“It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in [...]
You can order your free credit report from a central website: www.annualcreditreport.com
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports.
It was created by the three nationwide consumer credit reporting companies -
Equifax, Experian and TransUnion.