WELCOME TO My Credit File Report
My Credit File Report provides you with a copy of your Credit File, Credit Score plus a detailed Credit File Report on your Credit Health, explaining how to fix any credit problems and get a loan approval. Credit Help & Repair is available.
Know Your Credit History
We give you the answers no one is telling you Plus a detailed series of steps to FIX & REPAIR any credit problems you have, and advice on how to avoid getting a bad credit file in the future.
Check Credit File Facts
The Credit Information contained in a Credit File is used in determining Your Credit Rating; that is to say Financiers Check Credit History and make a judgement as to what the future performance will be like.
It is important for anyone wishing to borrow money to know and understand what is contained in their own credit file; and to monitor it on a regular basis; yearly at least.
To help manage your credit file follow these six guidelines:
- Understand what a credit file is
- Check Credit File – You should check before applying for credit / Loan
- What to do if you are declined credit or have Credit Problems
- What to do if you have an overdue account or Credit Defaults
- Maintain Your Credit Rating
- Handle identity fraud as soon as you are aware of something wrong
How to Check Credit, Your Credit Rating & Credit file?
The information on your credit file is one of the factors that impacts on your credit-worthiness. Banks, retailers and credit providers use the data, along with the information you provide to them in an application, to determine whether to lend you money or not.
This is why it is crucial for borrowers to keep a regular watch on their credit file. If there are any inaccuracies on a credit file, it may delay your application for credit while those inaccuracies are investigated and corrected.
We therefore recommend that anyone applying for credit checks their credit file at least 7 days prior to making a credit application.
A simple way to obtain a copy of your personal credit file, with a detailed Credit Report, not only explaining your Credit File in detail but giving you a rating of it’s health, and Your Credit Rating; is by applying for a Credit Report Online.
