You must be thinking of how to check my credit or CBIL score, or can I Check my credit or CBIL score for free.
In this blog post, I'm going to talk about something which is probably one of the most important numbers for you and your finances- your credit or CBIL score.
Now you probably kind of know about it but, like me, you might not have bothered even thinking about it until you applied for something big.
For me when I checked my credit or CBIL score, it was my mortgage about five, six years ago, but for you to check your credit or CBIL score, it could have been perhaps a credit card or a loan
There're all sorts of things where the credit score or CBIL score - this number - is really important.
Actually checking the credit or CBIL scores are a bit of a misnomer. The important thing is the credit or CBIL score report, the data, that's behind it.
The credit or CBIL score is more a kind of health check. You kind of get a sense of where you are you doing, well are you doing bad.
But the data behind credit or CBIL score is checked every time you apply to borrow money. So the examples as I said just now - bank accounts, credit cards, mobile phones, mortgages, loans.
The people who are going to lend you this money, even if you don't think of it as money being lent, they want to get an idea of your financial history.
Are you at a safe bet?
Should they lend you the money?
And they do that by checking these credit or CBIL score reports.
Now annoyingly there's not just one credit or CBIL score report, there are three different credit or CBIL score reports from three different credit or CBIL report reference agencies.
And depending on who you're going to be applying for the credit from they might check one or two credit or CBIL scores of them.
But the information held on them, it's all a little bit different. So you need to make sure that they're all up to scratch.
1. The first one is Experian,
2. The second one is Equifax
3. The third one's called Call Credit.
And up until a few years ago, you could get free trials for each of them but really the way they kind of got you where you had to pay a monthly subscription to get access to all the data and all the services.
You can still do that, but now you can check each of them for absolutely nothing and I think it's one of the most important things you can do, particularly if you've never done it.
It because if there's anything wrong with it you need to take action. You need to try and get it fixed.
But the only way to really know about it is you apply for something and get rejected - not great - or you be a bit more proactive and you look at the free services which all tell you exactly where you stand.
So the bank accounts you have, the addresses you've lived at, any loans you might've taken out, any debts that you might owe - you might even find some which you are unaware of.
Maybe they're old direct debits for old mobile phone contracts that you thought were sorted but they've been bubbling away and somehow not come back to bite you - but they could.
So sign up the Credit Club and you'll be able to access your Experian file related to your credit or CBIL score history.
There are also some fantastic extras that they've developed in there by checking your credit or CBIL score in the background to kind of give you an idea of how successful you might be applying for a credit card, applying for loans, and things like that. So that's a really good one.
I really like this one too. As it is also a part of checking your credit or CBIL score in the background. This is the data that Equifax holds on you, and you can see your credit or CBIL score as little graph going across the months and the year depending on how long you've been signed up. And again that will list all the information that Equifax has on you in their credit or CBIL score report.
So there you go you've got Credit Club from Money Saving Expert. You've got Clearscore and you've got Noddle.
Those three in the article that is linked to from the blog post, so you can go ahead get those free credit or CBIL score reports. Check them, make sure you're okay, and if not start fixing them.
Please do subscribe to the Blog and come back for more blog posts.
In this blog post, I'm going to talk about something which is probably one of the most important numbers for you and your finances- your credit or CBIL score.
 |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-1 Image |
 |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-2 Image |
There're all sorts of things where the credit score or CBIL score - this number - is really important.
Actually checking the credit or CBIL scores are a bit of a misnomer. The important thing is the credit or CBIL score report, the data, that's behind it.
The credit or CBIL score is more a kind of health check. You kind of get a sense of where you are you doing, well are you doing bad.
 |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-excellent-good-fair-color ranges |
The people who are going to lend you this money, even if you don't think of it as money being lent, they want to get an idea of your financial history.
Are you at a safe bet?
Should they lend you the money?
And they do that by checking these credit or CBIL score reports.
Now annoyingly there's not just one credit or CBIL score report, there are three different credit or CBIL score reports from three different credit or CBIL report reference agencies.
And depending on who you're going to be applying for the credit from they might check one or two credit or CBIL scores of them.
But the information held on them, it's all a little bit different. So you need to make sure that they're all up to scratch.
CBIL score reports With three different credit or CBIL report reference agencies:
1. The first one is Experian,
2. The second one is Equifax
3. The third one's called Call Credit.
And up until a few years ago, you could get free trials for each of them but really the way they kind of got you where you had to pay a monthly subscription to get access to all the data and all the services.
 |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-excellent-good-fair |
It because if there's anything wrong with it you need to take action. You need to try and get it fixed.
But the only way to really know about it is you apply for something and get rejected - not great - or you be a bit more proactive and you look at the free services which all tell you exactly where you stand.
➤The first one is from Martin Lewis's Money Saving Expert and it's called the Credit Club:
Which is brand new and this is partnered with Experian. It also plays an important role in your credit or CBIL score or history. So if you sign up for this Credit Club you'll be able to access all the information that Experian holds on you regarding your credit or CBIL score. |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-Breakdown Image |
Maybe they're old direct debits for old mobile phone contracts that you thought were sorted but they've been bubbling away and somehow not come back to bite you - but they could.
So sign up the Credit Club and you'll be able to access your Experian file related to your credit or CBIL score history.
 |
| How to Check Your credit CBIL Score Reports For Free with Mobile-phone-Poor-good |
➤The second one is Clearscore:
➤The third one is called Noddle:
It is in credit or CBIL score checking because this is through Call Credit, it's actually owned by Call Credit whereas the other two are partnerships with the organizations. It's still really important to check it even though is used less often by companies. It's still important. Like I said check all three of them. Which keeps your credit or CBIL score reports,So there you go you've got Credit Club from Money Saving Expert. You've got Clearscore and you've got Noddle.
Those three in the article that is linked to from the blog post, so you can go ahead get those free credit or CBIL score reports. Check them, make sure you're okay, and if not start fixing them.
Please do subscribe to the Blog and come back for more blog posts.
Other Related post suggestions for you :
Get free website traffic from Hackernoon - Your Best Solution
No comments:
Post a Comment
Please do not add any spam links in the comment box.