If you look around you, you will find all the latest smartphones such as Apple iPhone 4S, Samsung Galaxy Note, HTC One X, Blackberry Bold 9900, Nokia Lumia 800 and many more in the hands of people showing off their desires and wishes of holding expensive phones. We believe that you would also want to hold these lovely gadgets but unfortunately you have bad credit and every mobile operator turns you down. Learn the ways how you could get credit check free report and the ways you could improve your bad credit to a better one.
The theory of credit check and creit score is a mystery to many of us, this could be due to several reason and one of it would be its complexity and uncommon usage among the people. There are several credit reference agencies UK based who offers credit report on a membership subscription, but later in the article we will learn how to get credit check free reports and the use of it.
What is Credit Check And How To Get Check Check FREE Reports?
Before we understand what is credit check we need to know why we need it and what are the things looked into while a credit check is performed.
When you apply for anything that is on a credit basis and to ‘buy now pay later’ schemes are only offered with a credit check approval. These creditors from whom you are asking for credit are linked up with credit reference agencies and authentication databases which consists of information about your credit agreements.
These creditors use an automated scoring process which allocates points to each piece of your credit file information matching their credit scoring criteria. To get what is called “Credit Score” is a result of adding all these points together and this score helps these creditors to access the level of risk of your application and thus determines whether to approve or decline the application.
As we mentioned earlier that if you want to access your credit information you have to ask for a copy of your credit file from the three credit reference agencies UK based who often charge a small fee for their service, but you can also get your credit check free report for 10 to 30 days from Equifax and Quick Credit Score companies.
What Are The Three Credit Reference Agencies To Access Credit Check Free Reports?
You could write to these credit reference agencies or visit their websites to subscribe to their monthly membership to access your credit file 24/7 to keep a good eye on your credit file.
1. Experian Consumer Help Service
PO Box 8000
2. Equifax PLC
PO Box 3001
3. Callcredit PLC
Consumer Service Team
PO Box 491
There are other credit reference agencies in UK, but the above are the oldest and are more widely used by creditors.
Can I Appeal Against The Decision After I Checked My Credit Check Free Report?
If you have managed to get access to your credit check free report and you are not satisfied and unhappy with the credit check decision you can appeal against the decision by writing to the “Appeals Team” for the mobile network you have applied for.
If you have applied for a pay monthly contract with 3 Network UK, then you can write for a review of your declined application to:
Three Credit Referral Team
123 St Vincent Street
When you send for appeal make sure to send a copy of your credit check free report along with the last three years home addresses you lived, your full details, date of birth, previous name(s) and all relevant details with a short explanation why you need the mobile phone contract and how it will benefit you.
How Do I Improve Credit Score When I Know Information From My Credit Check Free Report?
It is the best step you have taken if you are planning to improve your credit score and credit ratings as this will save you from disappointments and unnecessary hassles and you could have any smartphone you have ever desired of.
In one of our another article, we have published a detailed report on how to improve your credit score and 10 steps you need to follow, so simply follow the steps and make sure you follow it correctly after you know what you need to improve from the information on your credit check free report.
The best and easy way to build up your credit score would be to take a monthly rolling sim only contract as credit check is very lenient on sim only deals and this helps to show other creditors that you are paying for a monthly contract on direct debit and after few months you could try to upgrade and the changes of getting accepted increases a lot.
Follow the steps correctly and do not apply in many places at the same time for credit as this reduces your credit score, maintain a good payment system and check regularly for your credit check free reports atleast once in a month.