Credit Rating.

Sam2005

I need to get a Credit Bureau Report along with Credit Score and Credit History. Please let me know how all this is possible??

Do I have to pay any charges or fee for all these??

Thanks in advance.

BugsyBrowne

Sam2005 wrote: »

I need to get a Credit Bureau Report along with Credit Score and Credit History. Please let me know how all this is possible??

Do I have to pay any charges or fee for all these??

Thanks in advance.

You can get yourself free 30 day trial reports on Equifax & Experian but there is no way of finding out your credit score.

Sam2005

Is there any other way to get Credit Scores then?

BugsyBrowne

Sam2005 wrote: »

Is there any other way to get Credit Scores then?

No only the lenders will know your true credit score.

But should be able to workout if your credit worthy or not,just look through your report and if you have no missed/late payments for 2 or 3 years managing loans/credit cards,on the electoral role,no more than 2 credit applications in the last 6 months,then you can say your score will be pretty high.

JohalaReewi

If you use the method to obtain free credit reports from experian and equifax, make sure you know what to do and also how to cancel them. These free schemes tempt you in to make money so you have to make sure you don't get hooked. You might find it less stressfull to use the statutory report method which costs £2 but there are no strings or catches.

For credit scores. As has been said, only lenders have your real scores but they aren't going to tell you what they are. Experian and equifax will sell you a score but because these companies don't lend, they are not credit scores.

See Martin's article...
http://www.moneysavingexpert.com/loans/credit-rating-credit-score