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The credit agencies’ desire to sell us ‘credit monitoring’ allows a loophole. Get your credit report - free personal finance. Your credit report won't show any previous attempts to get credit that failed. The results of my credit search have helped me find peace of mind. When you have made these changes, wait for a month, and reapply to the lender who refused you credit before. You do not have to be refused credit to see what information credit reference agencies hold about you. Fighting fraud: you can get email or text alerts from your credit report.

As the uk's leading credit reference agency we help you understand and manage your credit information. To get hold of your credit record, ask any of the credit agencies or all three as precise details may vary. Credit score: check out your credit rating for free this weekend. Checking your credit history is the first step to dealing with debt. For full pros and cons read the full ‘ zopa free credit score’ article. However, a report published yesterday showed that the sites could be leading consumers to adversely affect their credit rating.