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With Credit problems on the increase, it is apparent that there are many people having problems making bill payments. If you have a history of making late payments or missing payments, you may have been given a bad credit rating. This is basically a file kept by credit companies, which is read and amended by finance companies, to check your credit status and report on your financial affairs. This report is available to you, but not many people know what this mythical 'credit report' is or how to use your rights to view it.

Is your report correct? :

- Are companies recording a bad debt entry which where not YOUR fault but a companies, or another persons error?
- Are Debt problems that have now been sorted out or very old been removed from your file?
- Are they mixing you up with someone else or recording things that never happened?
- Have you had someone in your house or flat with very bad debt problems? - This could affect you simply because you share an address.

AND Perhaps most important in today's digital world, with identity theft increasing, has someone managed to get hold of your identify and finance details and is clocking up debt in your name using your personal data?

If you have had problems obtaining credit cards, loans, mortgages, insurance or even store cards, this could reflect a problem in your credit score. Normally to view your personal credit history and score you will need to send money to Experian, the main company responsible for looking after your history file.

However, Right now, credit company CreditExpert are currently offering FREE 30 day access to your credit history file - if you want to be sure finance companies are judging you fairly and correct - follow the link below.

PLEASE NOTE: Although free, THIS SITE DOES ASK FOR YOUR CREDIT CARD DETAILS and sign up as normal. You then have the option to cancel within one month and you will not be charged anything.

Use you rights - FREE 1 month access to your credit history and Score - click here.


Click here for Credit Cards available for people with bad credit: