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Concerned about your credit score? Get a 30-day free trial and gain unlimited, easy access to you latest Equifax Credit Report & Score. After the 30-day trial it is £14.95 per month to continue if you don't cancel. You will get weekly alerts regarding any significant changes, practical tips, an online dispute facility and telephone support seven days a week. It is important to know your credit score and how it may help you get credit. Sign up now and earn cashback rewards with these deals.
Terms and conditions: A monthly fee of £14.95 will apply following the 30 day free trial of this product if you do not cancel within the trial period. You can cancel your subscription at any time.
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Concerned about your credit score? Get a 30-day free trial and gain unlimited, easy access to your latest credit report and score with these Equifax Credit Report & Score cashback deals. You will receive weekly alerts regarding any significant changes, practical tips, an online dispute facility and telephone support seven days a week.
It is important to know your credit score and how it can help you get credit, so sign up now. After the 30-day free trial, it will cost £14.95 for the Equifax Credit Report & Score per month to continue if you do not cancel. Please note that your full name is required.
Credit scores are used by lenders to help determine whether you qualify for a particular credit card, loan, mortgage or service. Using the information on your credit report and any additional information you supplied with your application, lenders use a mathematical model to calculate a score which represents your credit history.
This helps to indicate what type of borrower you are and how likely it is that you can manage your repayments. You credit score may play a key role in the financial products you take out throughout your life. When applying for a credit card or mortgage, it may determine whether your application is accepted and what interest rate you end up paying. People with a higher score are often seen as lower risk, which means lenders are more likely to give them credit. Every lender follows a different policy for credit scoring, so if you do not meet the criteria for one, you may still be able to get credit from someone else.
However, it is important that if you are refused credit to find out why you were turned down before making another application. Credit scores are based on credit reports. Various different factors can cause your credit score to change, including information such as how much of your available credit you are using and your total debts, your history of credit account payments, credit searches and public records. To help manage your credit score, you should review your report and score regularly to ensure information is correct, ensure you do not miss any payments, close any unused credit accounts and register on the electoral roll.
Lenders may contact Equifax to find out how much credit you have borrowed and what your repayment history has been like. Public information such as electoral register data and whether you have any court actions for debt may also be shared. A lending company may use this data to make a quick, informed decision when credit is applied for.
Your credit report and score may influence the financial products you may be accepted for. If a lender views you as being more likely to repay and less likely to default on a payment, they may be happy to offer you a lower interest rate.
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