UC Deadline Date, Medical Conditions and Evidence

Hi S123

Don't be sorry, not everyone know about credit reference agencies.

Found the following information on the Money Saving Website: www.moneysavingexpert.com/loans/check-free-credit-report/#why

You can easily check your credit report – and it's totally free. Here's a quick lowdown if you know what you're doing and just want to get on with it. Alternatively, read our How to check your credit score for free guide below or check out our Credit scores guide for tips on how to improve your score.

There are three credit agencies which hold credit reports on you: TransUnion, Equifax and Experian. It's best to check all three reports at least once a year, because they all have an impact. Here are our quick and FREE ways to do so:

TransUnion: use the MoneySavingExpert Credit Club, which gives you free access to your TransUnion report (among a lot of other things).

Experian: use Experian's CreditExpert* free 30-day trial, but you'll have to cancel before the end of the trial to avoid the ongoing £14.99/month fee. If you've already had the free trial, you can get Experian's free statutory credit report.

Equifax: use Clearscore* which provides free ongoing access to your Equifax report. Alternatively, you can go direct via Equifax's Credit Report and Score, though this is only available for free for the first 30 days and then costs £14.95/month thereafter (includes access to Equifax rewards).

Gary