Best Credit Rating Report & Advice

lizziebums

Hi I was just wondering if anyone can recommend the best place to get a credit rating report - I am very much a novice when comes to this but wanted to check a few things and wanted to get a good understanding of everything financial in my life. This may be a stupid question but when I request a report should I do just one off reports, getting confused as why someone would pay a monthly subscription? Also a few years ago I got divorced as was taken off joint mortgage, and loans etc will anything related to my maiden name and married name show on report - how far back does the report cover - will it cover my student days when I had a graduate loan etc? And another silly question probably when you go over an agreed overdraft limit by about £5 for it then the next day be cleared does this affect your score etc?

Actually can anyone recommend any books or guides around managing your finances/explaining in simple terms about mortgages etc as before divorce I knew nothing and now I have my own mortgage and financial commitments often feel an idiot when go into bank, take out insurances or talk about pensions etc

Thanks in advance.

CLAPTON

the are three main credit agencies

they each provide a statutory report for £2

http://www.experian.co.uk/consumer/statutory-report.html

http://www.equifax.co.uk/Products/credit/statutory-report.html

http://www.callcredit.co.uk/stat-report-online/

it goes back six years and it's basically what potential lenders see