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If you have been turned down for credit recently, your credit report is the first place to look. You may have been turned down for something as simple as you aren't registered on the electoral roll at your current address!
If you are thinking about applying for a mortgage, credit card or loan it's a good idea to check your credit report is up-to-date and correct to put yourself in the best possible position to be accepted.
You might have been offered uncompetitive rates or been turned down for credit due to mistakes on your credit report. You should check your report regularly to make sure it's up-to-date and correct it here
We are all aware of how important it is to keep our personal details safe, but if they do fall into the wrong hands you need to act fast. We will continuously monitor your credit report and will send you an email alert if there are any important changes such as an address change or a new credit account and if you see anything suspicious you can act fast. Our Victims of Fraud service is at hand to help if you do detect ID theft.
 

Why Your Free Credit Score Matters

You have three credit scores, one from each credit bureau. Each one is slightly different, but all three play a very important role in your financial life. Your credit scores determine the amount credit lenders will make available to you and the interest rates and payments on mortgages, credit cards, auto loans, insurance policies, and more.

The Difference Between a Credit Report and a Credit Score

A credit report is a detailed history of the loans you¡äve received and credit cards you¡äve used that is offered by the three bureaus once a year. If you¡äve had collections, they may also appear on any of the credit reports. For each account, the credit report shows your payment history, current balance, credit limit, the date the account was opened, and whether the account is open or closed. A credit score is a three digit number based on the information in your credit report. The bureaus factor in the number of years you¡äve had credit, how much of your available credit you¡äre currently using, whether you¡äve recently made any late payments, and how recently you¡äve had any negative actions or credit applications.

Why Your Credit Report Matters

First, your credit score is based on your credit report. Any incorrect information could reduce your credit score. A lower credit score can cause your interest rates to rise or you could be denied credit. Your credit report also lists past addresses and employers. Credit report inaccuracies could slow loan processing

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