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- Fraud is rife. Checking your score monthly will highlight any odd behaviour
2. Because you may need to borrow some money one day either for a mortgage or other big ticket item
3. When applying for a job, employers often run a credit check to see how financially responsible you are. They cannot run them without asking but saying no to the request may raise suspicion as to why you want to hide it.
4. Maybe you want to leave the rat race and start your own business? A good credit score will be needed if you want a loan.
5. Your credit score may affect you getting or not getting the mobile phone you desire.
6. Your credit score can have an impact on your insurance premiums.
7. Not being on the electoral role will affect your credit score.
8.Your credit score will affect the rate of interest you pay. Credit providers use your credit file to determine the rate they set for you not ONLY if they will lend to you or not.
9. Many of the utility companies share data. So, if you are late with a utility bill it may well affect your credit score. Paying on time will help to increase your score too. Some of the companies that share data are BT, British Gas, Thames Water, EDF, Npower, Eon, Scottish Power, Virgin Media, Talk Talk but there are more.
10. If you have a partner who has a card on your account or if you are financially linked in any way – eg joint bills etc, their spending can affect YOUR credit score so keep it in check by checking the statements regularly AND your credit score.
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How to check your credit score?
Join https://www.moneysavingexpert.com/creditclub for Experian
Or Register directly at https://www.experian.co.uk/
clearscore.com
Noddle.co.uk
YOU DO NOT NEED TO PAY.
Registering for all three is recommended
Start looking at and looking after your credit score today!
Money Coaching is here to help you. Join me on a financial adventure – Call me
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