How to Find Your Credit Score on the Internet
Credit scores are used to determine fiscal discipline and they demonstrate the sense of responsibility that you have shown in meeting your financial obligations, whether they are medical bills, debit card payments, bank loans, mortgages, or the like. A good rating is a sign that you have been good in meeting these obligations and that you are creditworthy. There are three main reference agencies in the UK that calculate your score based on the information from your credit reports. These are CallCredit, Equifax, and Experian. This information is provided by the lenders. When you are seeking this information, you will need to get the three digit values from these three agencies. You can also get it from a credit bureau online after paying a small fee. While many online sites will charge you for the credit reports after a free trial, there are lots of other websites that offer this service for free.
The three main agencies in the UK
The three main agencies in the UK, namely Experian, Call Credit and Equifax, have online services that consumers can use to determine their credit score. If the chosen agency can verify your personal details relatively quickly, then instant reports are normally issued. Otherwise they can take as long as four days to retrieve. Many offer consumers a one month free trial before they revert to a paid subscription service afterwards.
What does Experian offer?
With Experian, you can get a free one month trial which offers you free access to your personal information. Please note that you will be required to enter your financial details. If a month elapses without cancellation of your subscription, you will be charged £14.99 per month in order to continue getting receiving them on an ongoing basis.
Equifax and its services
Like Experian, Equifax offers a free one month trial that consumers can use to get free scores and credit reports. Afterwards, there is a charge of £89.99 for those who would like to continue with their credit score tracking service and to have them checked out regularly. If you are just interested in the credit score, you can simply cancel the subscription after one month.
CallCredit and their offers
Unlike the other two, CallCredit offers free reporting and scoring services when you sign up. Check out Noddle.co.uk to get additional information on how you can retrieve your CallCredit's results.
Whichever company you select, with the increase in identity theft this is an important action you should undertake.
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