This post has two main points. The first is that you can check you own credit report online for Free and even get some money back for doing so.
Both Experian and Equifax will alow you to sign up online and check you credit report for free, the catch is that you have to SIGN UP to thier credit serivces and are given a free months trial. You are free to cancel this any time so its perfectly fine to check out your credit report and then just cancel the subscription with no charge at all.
The next part is the best bit, you can actually get paid for doing this as many of the cash back sites, such as the one i use www.quidco.com offer you anything up to £5 if you apply for your free credit report through thier site.
The other good thing about checking out you credit report online is that you can see all the details on your credit report and see if it’s all correct making it easier for you to apply for credit, such as mobile phone contracts. One interesting thing I found out by checking my report was that if I provided different variations of my home address I would get different results back. I live in an apartment, with a apartment number, building name, building number and street name, so it’s quite a complicated address, if I provided different variations of the address I would get different results, some bank accounts appeared some were missing, it found my credit cards once but was missing on all the other reports, some times it would pick up I was on the voters register, some times it didn’t.
It very interesting to know all this as you then know exactly what information to give to companies that check your credit score to make sure you get past ok and you can flag up any issues yu see with the credit agency, also getting the cash back for joining a free service was very nice.