November 6, 2011

View Your Free Credit Report Online Now Order Your Credit Report Online Now

Carry out a credit check with Equifax

• This credit report service provides unlimited access to your personal credit history.
Instant online access to the credit data privately filed by creditors + your public credit data.
• Expert tips from Equifax to help you improve your credit report.
ZERO COST ACCESS for 30 days - No obligation trial*

Understanding your personal credit report can help to put you in a better light with creditors such as lenders. Improving your credit report can help you to obtain a better deal when you are ready to make your next purchase. Order your credit report online here and get your credit rating in shape for 2012:

Get Your Free Equifax Report Now

Why obtain a Free Credit Report from Equifax?

With the current economic climate in the UK, most people are now looking more closely at their financial circumstances. The reason for this is that the recession is already causing decreases in house prices, job losses and restrictions on the availability of finance. These factors create higher levels of credit risk and make it more difficult for many individuals to be able to manage their money effectively.

By utilising this service, consumers are able to gain an insight into the way creditors are viewing their financial circumstances at zero cost. This valuable insight can put you in the right direction to minimising your credit risk and aid you in managing your financial circumstances more effectively.

As a result of these circumstances, people are now checking their personal credit report more frequently and many are now checking their personal credit report for the first time.

Since the free Equifax credit report was launched here, it has become the credit reporting service of choice, with the vast majority of consumers are now choosing to use this service compared to any other product offered here at The Credit Agency.

So far, we've heard nothing but good reviews about this service. This comes as no surprise to us. After all, the product provides an excellent insight into your credit file, plus a credit monitoring service and is offered on a £0 trial basis for 30 days. If you are interested in finding out what your credit score is, you can purchase a copy of your Equifax credit score (via the credit rating service) at a discounted rate.

What Information Does The Free Credit Report Provide?

Equifax are one of the market leading credit reference agencies in the UK. They have wide coverage of UK credit data, which means that viewing one of their zero cost reports is a great way to understand how good your credit file really is.

Your credit report is compiled using credit information obtained from a variety of sources. The sources of information can be broken down into 2 categories; public information and private credit information.

Public credit information is made up of electoral roll data, bankruptcies and County Court Judgments. Private credit information is made up of data submitted to credit reference agencies by creditors such as lenders. The data privately submitted to their credit reference agency database includes detail on your payment history.

Companies that submit credit information to credit reference agencies include banks, building societies, credit card operators, insurers and phone companies (amongst others). Student loan information is not included on your credit report.

For your information purposes, we have provided a sample Equifax credit report here.

How Do I Access My Credit File

Access to your credit report is 100% online. Once you have signed up to use the service, you can then login to the Equifax Member Centre any time to check your personal credit file.

In addition to the ability to view your credit file an unlimited number of times, you are provided with some other handy little extras. These include weekly alerts of key changes to the information held by them, an online dispute resolution facility, as well as tips and advice on ways to improve your credit file.

Should you have any questions regarding your subscription to this zero cost service, you can phone their customer care team between 09:00 – 17:00 Monday to Friday (you will find the relevant phone number within the Member Centre when you are logged in to the service).

Will Anyone Else Check My Personal Credit Report?

Credit reference agency services are used by lenders, employers, landlords, and other service providers (such as phone operators and insurance companies) in order to check your personal credit report. These organisations will need to seek your prior approval for them checking your credit report. These companies won’t get the same zero cost access that you are able to receive with this particular service.

Are There Any Additional Costs?

No - The credit report provides you with unlimited access to your credit report on a no obligation trial basis at zero cost for 30 days. If you choose to continue using this service after the 30 day period then you can pay a fee of £6.99 per month. This ensures that you continue to have unlimited access to all of the functions offered in the trial so that you can continue to maintain a healthy credit file.

When To Check Your Personal Credit File

We highly recommend that you check your credit file on a regular basis. With unlimited access to view your file for the first 30 days at zero cost, there really is no excuse for you not to check it on a regular basis.

By ordering your FREE Report you can eliminate any issues that could occur with your credit file before they have an opportunity to cause you any problems. In fact, they have thrown in an online dispute resolution facility as part of the online credit report service purely for this purposes. Make use of this zero cost service and check your report prior to commencing new financial arrangements such as taking out a loan, getting a credit card, mortgage, phone, or commencing a new job

Are There Alternatives To The Free Online Credit Report?

Yes - Equifax provide a number of services to help you manage your personal credit report effectively. This trial service is the only one that enables you to see your credit report without having to pay anything for the first 30 days. The service most comparable to this is Credit Watch Gold. That service costs £69.99 for the year (paid in advance), which just goes to highlight what great value the free credit report actually offers!

Check Your Credit History Instantly Online

To check your credit report online today, simply click through the following link, submit your personal details and enter your card details so that you have the ability to continue using the service after the initial 30 day trial period.

Get Your Free Credit Report Now


Order Your Free Credit Report Online Now

For Alternative Credit Information Services - Use the links below:

Credit Watch Gold Monitor Your Credit Report: Sign up to Credit Watch Gold: Use Credit Watch Gold Now!

Equifax Rating Use the Credit Rating service to understand Your Credit Score & the the way lenders view you: View Credit Rating Now!

Identity Watch With Identity Watch you receive notification of key changes to your credit report to help Combat Identity Theft Identity Watch Protection!

equifax website Equifax UK Website:

equifax member centre Equifax Member Centre:
Members can login to the Member Centre. (You automatically become a member when you purchase their services)

Equifax Member Centre

equifax contact details Postal Contact Details:
Equifax Credit File Advice Centre
P.O. Box 1140
United Kingdom