Check your Credit File issued by any of the three national credit reference agencies prior to applying for credit. Your Credit Files or credit reports are used by credit card issuers, banks, auto financing companies and other lenders to determine how you are as a credit risk. When you apply for credit or a loan, the lender will conduct a credit file check with a Credit Reference Agency to look for negative entries in your credit history. Consumers with good credit scores will have access to the top credit products and best borrowing rates. Conversely, a poor credit score or report can cost you thousands in interest payments and fees.
Such factors as your bill paying history (or whether you have paid your bills on time), your credit utilization ratio (that is, the percentage of your available credit that you are currently using) and the number of applications for credit will affect your credit scores.
Check your Credit Files online before you are turned down or pay more for a credit card or loan. Many of the Free Credit File offers come with a risk-free trial to a Credit Monitoring Service that alerts the consumer to changes in his or her credit rating.
Here is the latest Free Credit File news:
Updated : Thu, 05 Dec 2013 00:05:33 GMT
Publ.Date : Tue, 03 Dec 2013 18:19:42 GMT
Publ.Date : Fri, 08 Nov 2013 09:56:15 GMT
Publ.Date : Fri, 22 Nov 2013 18:03:04 GMT
|EU fines global banks $2.3 bln for market riggingAppeal-DemocratFILE – In this July 30, 2013 file photo the headquarters of Deutsche Bank are pictured in Frankfurt, GermanyThe European Commission has fined a group of major global banks a total of 1.7 billion euros (US dollar 2.3 billion) for colluding to profit …and more »
Publ.Date : Wed, 04 Dec 2013 22:14:55 GMT
|How To Keep The Grinch From Stealing Your IdentityForbesIf your documents or identity has been stolen (the Federal Trade Commission has some helpful tips on how to tell) file a police report and alert all three credit reporting agencies (Equifax, Experian and TransUnion). The agencies can put a fraud alert …and more »
Publ.Date : Wed, 04 Dec 2013 21:02:13 GMT
Publ.Date : Wed, 04 Dec 2013 23:30:33 GMT
Publ.Date : Wed, 04 Dec 2013 23:30:52 GMT
|Mass. boy pleads not guilty to killing teacherGrand Island IndependentFILE – In this Oct. 23, 2013, file photo, Philip Chism, 14, stands during his arraignment for the death of Danvers High School teacher Colleen Ritzer, as his attorney Denise Regan speaks on his behalf in Salem District Court in Salem, Mass. The 14-year …and more »
Publ.Date : Wed, 04 Dec 2013 20:25:58 GMT
Here is more news about your credit report and how to check your credit file:
Dun & Bradstreet Credibility began this week offering all businesses that were affected a CreditAlert product that will alert them to changes in their business credit file. The service will be offered free for six months. Changes as small as adj …
Publ.Date : Fri, 22 Nov 2013 15:52:00 GMT
Beginning on Nov. 21, Dun & Bradstreet offered all the affected businesses a CreditAlert product that will tip them when changes occur in their business credit file. The service will be free for six months. Affected business owners can visit …
Publ.Date : Tue, 03 Dec 2013 17:02:00 GMT
It is safest to double-check yourself, though. You can check your credit file for free by signing up to Experian?s 30-day trial or using Call Credit?s service Noddle. If you do spot a problem, ask for the entry to be removed. If the company refuses to …
Publ.Date : Tue, 03 Dec 2013 17:10:00 GMT
The Equifax Credit Report is accessible for 30 days free simply by logging onto our website. If customers do not cancel before the end of the 30 Day Free Trial, the service will continue at £9.95 per month, giving them unlimited online access …
Publ.Date : Tue, 03 Dec 2013 10:36:00 GMT
This does not just include the standard loans or credit card payments – your report can show any late payments … You need your borrowing to be registered at that same address and everything to marry up. So if you are not on the roll and you apply for …
Publ.Date : Tue, 03 Dec 2013 05:36:00 GMT
My company?s service is free, and we can spend hours on each call … had been in desperate need of dental surgery for nine months due to issues with her credit file. We ended up searching for a dentist that would provide treatment without any background …
Publ.Date : Sun, 01 Dec 2013 20:31:00 GMT
Additionally, almost half of consumers who purchased on non-reputable sites did so because they were offered free shipping … receive 24/7 credit alerts via 3 bureau credit file monitoring, and also have access to identity theft protection …
Publ.Date : Wed, 27 Nov 2013 06:33:00 GMT
Have a budget and a plan … job changes and changes of address. Next year Australia gets a credit reporting system where creditors disclose late payments, not just defaults. Have a stable rental history and minimise moving houses or apartments.
Publ.Date : Thu, 28 Nov 2013 00:21:00 GMT
My Credit File Free
Get your Free Credit File, with your Free Credit Score and Free Credit Report Online. Your Credit File lets you check your credit rating with the national Credit Reporting Agencies. Fix your Credit Report to find errors in your credit rating before applying for a credit card, loan, mortgage, remortgage or refinancing.