How do I check my credit score with Moneysupermarket? 相關
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- You can see your credit score for free with MoneySuperMarket’s Credit Monitor service. All you need to do is tell us a few details about yourself and we’ll track down your personal credit score. Better still, we’ll also provide suggestions to improve your rating.
www.moneysupermarket.com/credit-monitor/what-is-a-credit-report/
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- What affects your credit score?
- How to Register For Credit Monitor
- Your Credit Monitor Score
- Your Credit Report
- Your Credit Monitor Alerts
- Applying For Credit
- If You Have A County Court Judgment
- If You Are Part of An Individual Voluntary Arrangement
- Managing Your Account
Q: Is Credit Monitor free?
A: Credit Monitoris 100% free to use. We won’t charge you for checking your credit score. We also provide your full credit report on our free app.
Q: Will using Credit Monitor affect my credit score?
A: Signing up to Credit Monitor and viewing your score will not affect it. TransUnion will run a soft search on sign up to provide you with your credit score this is not visible to lenders. A soft credit search is often carried out by lenders who use them to make a general decision about whether you’d qualify for their product and soft searches do not affect your credit score. If you download the app to see your credit report, that won’t affect the score either.
Q: Do i need to be a UK resident?
A: Yes - you need to be a resident of the UK and we'll ask for your most recent address.
Q: What does my Credit Monitor score mean?
A: Your credit score, worked out from your credit report is a general interpretation of how much of a ‘risk’ lenders might think you are. The higher your score, the more likely you are to be offered cards and loans with cheaper rates and better offers, and the more you’re likely to be able to borrow.
Q: How is my score worked out?
A: It’s worked out based on a number of factors including your past behaviour with credit products – things like credit cards, overdrafts, loans and monthly utility accounts. The companies providing these services report your use and payments to a credit reference agency, where it can be seen by future lenders you apply for credit with. Altogether, this information paints a picture of how reliable you are at repaying money. If you download the app to see your credit report, you can see all th...
Q: Why is my Credit Monitor score different to other scores?
A: The score you see in Credit Monitor is out of 710 and is provided by the credit reference agency TransUnion. Other credit reference agencies include Experian and Equifax. Not all lenders share data with all credit reference agencies and your score can differ between agencies because of this.
Q: What information is found on my credit report?
A: If you download our free app, you can see all the financial and related information our credit reference agency partner TransUnion holds about you. It has no access to other personal information, such as criminal records, salary or your ethnicity.
Q: How often is my credit report updated?
A: Your credit report refreshes in Credit Monitor every month with details from lenders. Keep checking it every month to make sure the details are correct.
Q: Why can’t I see some of my financial accounts in my credit report?
A: Only credit products are shown on your credit report, so savings accounts or current accounts without an overdraft facility will not be present, as they do not represent your credit history. If you have opened a new account it could be that lenders have not provided this information to TransUnion as yet. It can take up to 10 weeks before this is added to your report. If an account you opened 15 or more years ago is not showing on your credit report, it could be that you weren’t notified at...
Q: Why are you sending me alerts?
A: As part of our service to you, we’re keeping an eye on what’s happening with your credit file, and we’ll let you know as soon as possible about any activity that could indicate something suspicious. It’s very likely that you’ll already know about the changes we’re telling you about, because it’ll be something you’ve done yourself. We’ll let you know just in case, so it’s easier for you to act quickly when you see something you don’t recognise.
Q: What alerts will I receive from you?
A: We’re looking out for changes to your credit file that could suggest fraudulent activity. These can range from small things, like a change of address, to larger things like new accounts being opened, or even your details being registered with a fraud prevention service. It’s very likely you’ll already know about the changes we see, because you’ll have made them yourself, but we want to give you the chance to double check. The alerts will refer to things that have happened during the previo...
Q: When will I receive alerts from you?
A: We work with TransUnion to check your file on a daily basis, and will let you know about updates as soon as possible. This means that alerts can be sent to you before the record appears as part of your monthly report update.
Q: What details do lenders use when deciding on my application?
A: Lenders use a combination of the following to help them make their decision: 1. Information supplied by you when you apply (such as income and expenditure) 2. Data supplied by a credit reference agency like TransUnion , who helps lenders check if you’re on the electoral roll at your current address, if you’ve paid your credit commitments on time and if you have insolvencies or County Court Judgements (CCJs) 3. Information about any existing accounts you already have with the lender and how...
Q: Can lenders see if I have been turned down for credit?
A: No. If a company performs a search a record will be shown on your credit report, but it will not show whether your application was accepted or rejected.
Q: Why have I been refused credit?
A: Lenders base their decisions on different factors, so if one lender turns you down, it doesn't mean everyone will. It’s worth remembering every time you apply for credit, it’s recorded on your credit report and some lenders see a large number of applications in a short period of time as a reason to turn you down.
Q: I have a CCJ – can I still use Credit Monitor?
A: Yes. You are still able to register for Credit Monitor if you have a CCJ.
Q: How do I remove a CCJ on my file?
A: These are removed from your credit file automatically six years after the original judgment date. If you think a CCJ has been made in error, you should contact the county court concerned, asking for it to be withdrawn. If the court agrees, the CCJ will be cancelled, and won’t be shown on your credit report. A county court will also allow a judgment to be removed if it was paid within one month and a Certificate of Satisfaction or Cancellation has been issued. This is known as being ‘set as...
Q: How do I get a CCJ marked as satisfied?
A: If the judgment is paid more than one month after the original judgment, it can be marked as Satisfied on your credit file; you just need to send TransUnion the relevant Certificate of Satisfaction. The judgment will stay on your file for six years from the judgment date but lenders will be able to see that the amount has been paid.
Q: I am subject to an IVA – can I still use Credit Monitor?
A: Yes. You are still able to register for Credit Monitor if you have an IVA .
Q: How do I remove an IVA on my file?
A: Your IVA will stay on your credit file for six years from the day it started. For example, if your original IVA lasted for four years, it will stay on your credit file for a further two years after the IVA ends.
Q: How do I get an IVA marked as discharged or completed?
A: To mark an IVA as discharged you will need to send the relevant Certificate of Discharge to TransUnion. For an IVA to be marked as completed, you will need to send written confirmation from your supervisor to TransUnion.
Q: How do I reset my password/update my email address/change my details?
A: Please contact our support team at creditmonitor@moneysupermarket.com
Q: How often will you contact me?
A: We’ll send you a monthly email letting you know when your updated credit score and report (if you’ve asked for one) are available. We may also contact you from time to time with information that we think you might find useful. You can choose to stop receiving these emails at any time by emailing creditmonitor@moneysupermarket.com.
Q: How do I make a complaint?
A: To make a complaint about Credit Monitor please email our support team at: creditmonitor@moneysupermarket.comand we will respond.
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Beginner's Guide. What is in your credit report? Things You Need to Know About Credit Score. How does your credit score affect your daily life? Credit Score. Factors affecting your credit score. Improving your credit score. How to improve your credit score? Viewing your credit score. How to check your credit score? Bad credit loan.
