How to obtain credit reports

Dustykitten

Thanks - there is a reason for 5, only one is visa, 2 we use for overseas spending, 1 we use all the time, 2 are linked to stores and used only in those stores for benefits of discounts/points/returns policy etc, it is those 2 which I intend to reduce. All are checked each month. I get offers of new cards quite regularly anyhow and don't want anymore.

tylerlongtw

The fair Credit reporting Act FCRA requires each of the nationwide consumer reporting companies Equifax, Experian, and Trans Union — to provide you with a free copy of your credit report, at your request once every 12 months.
The FCRA promotes the accuracy and privacy of information in the files of the nation’s consumer reporting companies. The Federal Trade Commission FTC the nation’s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

first_time_buyer_London

I have recently checked my credit report / rating after registering on Noddle & Call Credit for FREE!

My score is 4/5 and I have been advised by Call Credit that lenders / mortgage brokers don't see this score (as they have there own point systems) however I still want to improve my score to 5/5 (100%)?

Can anybody advise me how I could do that please?

I understand it is based on individual circumstances but I was just wondering if any one can is in the same or similar position and knows how to do it?

I'm guessing it's not 5/5 as even though I have never been in debt and paid everything on time I have never had a loan or mortgage so I haven't shown them that I can pay money back...

My circumstances are that I am on the electoral roll and I have had:


0 Credit / store cards
0 Loans

0 Mortgages
0 Court Court Judgments
0 Bankruptcies
0 Financial Relationships

I will probably be applying for a mortgage at some point in the near future and want to get my credit rating & report the best it can be.



Many thanks in advance

Best regards

ses6jwg

You can obtain copies of creature reports here http://www.bbc.co.uk/cbeebies/octonauts/watch/octonauts-spookfish/

first_time_buyer_London

I have got my report, I want to improve the score from 4/ to 5/5 ?

Hazzinho

Numbers are just for your reference as you were told. As long as nothing negative is on it doesn't matter.

Lessbutbetter

My score is 4/5 and I have been advised by Call Credit that lenders / mortgage brokers don't see this score (as they have there own point systems) however I still want to improve my score to 5/5 (100%)?

I think it's safe to say that some people live on a different planet!

No harm intended

KILL_BILL

is there any way to get round experians strict only 1 free trial of their credit service........... i used them last year now i want to get an update and they say as ive used it before they only allow it once apparently..................................

Hazzinho

Just get their £2 report.

KILL_BILL

Hazzinho wrote: »

Just get their £2 report.

i want to money save though and get topcashback as well