You may not know it but the chances are that you have a credit report. This is a personal history of your credit, including mortgages, credit cards and loans to catalogue accounts and even mobile phone contracts.
It provides a snapshot of credit accounts, your repayment record and how well you are coping. Lenders use it when they decide what kind of deal to offer you – or whether to turn you down. A late payment, identity fraud or even a simple clerical error are factors which can have a damaging impact on your credit status.
Parkers has partnered with CreditExpert to offer you a FREE 30-day trial* of their service. CreditExpert is the UK’s number one online credit monitoring and ID theft protection service from Experian, letting you see what lenders see about you and helping you stay a step ahead of your personal finances.
* Monthly fee applies following trial period