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A credit report is a record of your credit history. It lists all of your credit card accounts, auto loans, and mortgages, plus the balances and payment history for each.
A credit monitoring service alerts you to any important changes to your credit. Sign up for credit monitoring to make sure that you have authorised all credit searches and new accounts.
Identity theft is the fastest growing crime in the UK. Identity or ID theft happens when an imposter obtains key pieces of your personal information and uses it to open accounts and purchase goods and services in your name.
The first step to strong financial health is to check your credit report. Credit bureaus provide your credit report to lenders, creditors, landlords and employers who want to make sure that you have a stable financial history. See how you rate by checking your free credit report and score today.
It’s also important to check your credit report for errors and signs of fraud. If any account looks unfamiliar to you, an identity thief may have opened it without your knowledge using stolen personal information. Make sure you’ve authorized all of the activity on your credit report by reviewing it regularly.