Check your Credit Rating for Free in the UK

You can check your credit rating for free in the UK - which is a little different process than in the US. In America, the Federal Government passed the FACT Act back in 2003 that allows every American access to one free credit report per year. After some research, as of 2007, we could not find any record of a similar law in the United Kingdom although that could be erroneous information. However, all is not lost. If you live in the UK, you can check your credit rating for free – you will just have to take a different route.

Here’s a bit of information we found about checking your credit rating for free in the UK. First of all, one of the major credit reporting bureaus in the world is Experian. They will offer UK residents a free credit report when you sign up for a 30 day trial of their services. You can cancel any time within the 30 days and you will still have a copy of your credit report. You can find them online at www.experian.co.uk.

We also found a website called www.checkmyfile.com that offers UK residents many options for checking their credit ratings. Unlike in the US, at this website, you can see your credit score for free whereas Americans have to pay for this “secret” number. You can also obtain your credit report, but for a small fee. Check out the options on this website as they seem to have a lot to offer UK residents.

We did find a place where you can check your credit rating for free in the UK at a website called www.annualcreditreport.co.uk which says that as of January 2, 2007, you can get one free annual credit report. From what the website says, you enter in some personal information and they will e-mail you a special code. You can then go back to the website, enter your code and see your free credit report. They do ask that you subscribe to their newsletter and receive it regularly throughout the year, however, you can cancel at any time, so there’s really no strings attached here.

One thing you can also do to check your credit rating for free in the UK is to apply for a loan. The lender will pull your credit report to see if you are credit worthy and you can ask to look at the report. We’re not sure if they’re required to show it to you, but chances are very good that they will be happy to show it to you – especially if they have to turn you down for a bad credit rating.

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