Check your credit history
What is a credit reference agency?
A credit reference agency collects public and credit data to produce credit reports and credit scores for individuals. Many lenders will use this information, from one or more agencies, to make decisions about whether to lend to an individual or not.
Why should I look at my credit report?
There are many reasons for checking your credit report. You may want to look at your credit report when applying for a mortgage or you are looking to improve your credit rating, however if you are worried about ID fraud by checking your credit report you can identify any credit taken out in your name that you have not applied for.
Protective Registration
Should you fall victim to identity fraud or feel you may be at risk, CIFAS The UK's Fraud Prevention Service, offer a protective registration service helping to prevent fraudsters from applying for credit in your name.
Free Experian Credit Report from Credit Expert
Credit Expert is the UK's leading online credit monitoring and identity fraud protection service.
You can get free, unlimited online access to your credit report for 30 days through Credit Expert from Experian. The service includes email and SMS alerts whenever your credit report changes, plus receive advice and tips on how to manage and improve your credit rating.
