How to check your credit score

How to check your credit score

In today’s material I warn you and I advise you to check your credit score. Why it is so relevant and how to verify your own credit score?

Firstly by checking it you get the access to the same information as the persons who decide to grant or refuse a loan. Besides while reading the credit report we will know in fast way what are our chances to get a loan and we could enter some data and delete mistakes.

The second part of question is: how to check your credit score – I will give an answer in this material – Keep reading

In Great Britain there are various companies which create something like credit profile of persons living on islands. Each person has a special score with some points – the high and the low credit score.

Here is the best to take position of bank or another institution which grants money. Until you loan a cash, you would like to know who is the the person who grant a loan.

When earnings on house are sufficient and there are no debts, we would certainly consider that loan of money for that house is a good idea. However if it turns out that the house has a few credit cards with outstanding loans we would need to decline.

The companies which are creators of credit score collect this kind of information – they are interested in our residence, if we are employed, how much time we work and where. Other information concern our outstanding loans, credit cards and bank accounts etc.

All is being analysed and on the basis of that information we receive the feedback.

The credit score– facts

It may happen that the credit card or a loan which was repaid by us a few years ago can be still seen as unpaid. The system has no data about our good paid job and we are still seen as unemployed. The following situation is not profitable – in my opinion you should analyse that information….Therefore, how to check your credit score?

You can do it in a very simple way, in addition – for free.

As I said firstly, there are companies which compile reports. The biggest one is  Experian Credit Expert. On the organisation’s website we can easily register and check the credit score. We can also use the other additional services such as comparison of credit cards, etc.

Naturally you can choose another company and there check your credit score – on all that kind of sites, the whole progress concerning „operations of checking the credit score” which is going in a similar way, however we need to complete the following tasks:

Note! „In many cases the full access to all data is possible after providing the custom PIN number. It is sent on our e-mail address in the moment of opening your account and we should receive it after few days”.

When we have full access to account it is necessary to check all sections. There are several of them:

  • places of residence,
  • information about loans and credit cards,
  • Information from Electroral Roll, data about decisions of Court (bankruptcy).

Without any problem we can get to know about the companies and institutions which were rmonitoring our credit score and what were their purposes.

If the mistakes would be discovered and it would affect in negative way on our credit score it is necessary to inform the employees of accurate comapny and ask for correction.

How to check your credit scoreat little cost and seamlessly? Thanks to most successful companies on market:

The first place belongs to aforementioned Experian Credit Expertone of the biggest company in UK which has been specialising in formation of appraisals and credit cards reports.

The other sites worth of your attention:

  • checkmyfile* – it offers 30-day period when we can check our credit score for free (don’t forget to terminate service within 30 days cause you will pay per month over £14.99). In case of detection of an error you can confidently contact with company and ask for corrections. I personally have tested indicated company and I recommend it.

zdolnosc kredytowa

Quotation search nie credit search

Let me give you an advice which is going to save you. Namely if you apply for concrete loan you can ask your lender to check your credit score by doing quotation search, not credit search. In that way, that kind of request will not have the negative consequences on your credit score.

Check that you live among debtors.

All of us would like to have cool neigbours but very often when I move into the new house it turns out that our new street is not that awesome and the half of inhabitants are so-called beneficiaries.

How to deal with it? As I mentioned earlier in the article where to live in UK to check statictics relatively of new location.

In England you can check many official statistics by Postcode. On the checkmyfile* website you can check in „check” section the average credit rating for provided Postal Code. Punctation: 0-1000 and if it is near to 0, you probably have a very good sense of just that your neighbours don’t belong to those wealthy one’s.

Certainly we should not put everyone into one bag. However if the value is closer to 1000 it means that our neighbours work and they don’t have problems with loans.

credit score

If only at once we would not pay bill for the phone or Internet, we can land on list and our rating will be affected. That is why we should pay bills on time and try to not exceed debit on the debit card.

Remember about cashback sites

If you register through topcahback in companies which offers checking of credit rating, you can get refundation for registrations. From Experian Credit Expert and checkmyfile* you will get £5.25.

The amounts may be different depending on time and you can get bigger choice. Remember about checking the others companieś which offer refundations for registration.

I hope that information I ha provided will be a good idea for you and will help you to get a loan, credit cards or mortgage in easier way.

That was all thank to the correct verification of your own credit score.

Write in comments if you had some unusual situation associated with credit scorein UK.

*Monthly fee of £14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register. If we are unable to verify your identity online when you register, we may ask you to provide information to us which may delay access to your Credit Report.

NOTE: I present private opinions and I am not responsible for the readers' decisions. I always try to present current information but may no longer be up to date. Therefore, before making a decision, please verify them and consult a licensed financial adviser.


Hey! Nazywam się Radek i na codzień ciężko pracuję w Anglii i myśl, że na emeryturę będę mógł przejść dopiero po 68 latach nie jest mi na rękę. Dlatego udowodnię, że jest to możliwe w wieku 55 lat a może i wcześniej. Zobacz na tym blogu jak chcę to osiągnąć.


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