Your credit history is important!


Experian and other credit reference agencies hold information about your previous and current debt re-payments. Lenders use the information to make decisions about whether grant you credit, and the interest rates you will pay.

 

Before applying for a loan or credit card, it makes good sense to know what's on your credit report, and to verify that it is accurate. In particular, look for unexpected transactions in your credit history. They could be the result of identity fraud!


 

 

CreditExpert Membership Benefits

Experian's CreditExpert service makes it easy to monitor your own credit throughout the year.  Your Experian credit report is FREE just for opening a free 30-day trial CreditExpert membership. Here are the membership benefits...

Weekly credit report monitoring alerts Weekly email or text alerts of significant changes to your Experian credit report. In the event of potential fraud activity, you may learn of it in time to take quick, preventative action.
Your Experian credit report online After your trial membership, unlimited online access to your Experian credit report!
Plan for the Future Information and tools to help manage your credit, including an online quarterly newsletter about improving your finances.
Get your score! A CreditExpert member, you are able to order and view your National Credit Score from Experian online!
No risk! 30-day, no-obligation free trial and a 90-day money back guarantee providing a pro-rated refund if you cancel within 90 days from the date you were billed.



 

 

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How to Maintain a  Good Credit History

 

The first step is to be aware of the information your credit report shows, including public record or electoral roll information and repayment details of your credit cards, store cards and loans. Then, you need to make sure the information is correct and your payments are up-to-date.  

 

Something as simple as a single late payment may be enough to damage your credit status!