Your credit report is your personal credit history. Lenders look at this when deciding whether to offer you credit and how much interest to charge you.
Checking your credit report regularly could help you:
- Ensure your information is accurate and up-to-date
- Take control of your finances
- Improve your credit rating
- Get you the best deals on credit
- Protect yourself from becoming a victim of identity fraud – a crime which can take more than 15 months to discover
