We have over millions of people in UK who are suffering from bad credit rating and credit checking is always a mystery for them. Credit checking is a process where you check your score based on different criteria held by credit agencies who score you on your personal circumstances. If however you are looking for free credit check without card details as a compulsory option, then you are reading the right article.
In UK there are 3 major credit agency Equifax, Experian and Callcredit who records your credit related information and give access to companies who operate on credit related products or services. If you are looking for instant credit check report then these three major credit reference companies would be you best choice.
However, if you are looking for companies who offer free credit check without card details then you must be aware of few important information which 80% of the people are not aware of, this could be so important that you may risk more than trying to improve it.
10 Reasons Why Equifax, Experian and Callcredit do not offer Free Credit Check Without Card Details:
Companies such as Equifax, Experian and Callcredit are advisable to go with for your credit report because of these 10 good reasons:
1. You get your report instantly rather than waiting for many days to arrive in post.
2. You are given 10 to 30 days free trials to review your credit file from these credit monitoring companies.
3. Require very few information during subscribing to the free trials compared to the companies who offers free credit check without card details.
4. When it comes to online, verification via credit cards are one of the best methods compared to others alternatives.
5. These 3 major credit monitoring companies have security measures to protect individual identity and also give protection against identity theft as packages.
6. These companies are more reliable than any other credit reporting companies as they carry out all the checks and keeps individual reports up-to date as they have links with almost all the major financial companies and other credit related companies.
7. The are no catches with these companies and the free trials are absolutely free with a condition that you subscribe with your own personal credit card registered to your current address as mentioned in your credit file.
8. If you decide to cancel the subscription with the free trial period you will not be charged a single penny and you can even download your credit report as a pdf for future references.
9. You can check your credit file from any parts of the world as these are all available online compared to the companies offering free credit check without card details who require you to fill in a long online form and then asks you to send proof of ID and address so that they can send your credit report.
10. When you get your free report with credit card you are absolutely 100% assured to get an up-to-date information compared to the companies who offers without credit cards registration.
Remember when you register with Equifax, Experian and Callcredit companies if you do not want to pay after the free trials you have to cancel the subscription by login to your back-office provided by these companies or else you will be charged the advertised amount after the free trials.
Why are Free Credit Check Without Card Details Companies Not Advisable?
Companies who offers free credit check without card details have a long process to follow and requires you to fill in a long online form where these details could be used for marketing purposes and this is where they can make their money.
These details of yours could be sold to third parties for marketing purposes such as the loan companies, debt management companies and other financial related companies in exchange for a good commission when you purchase products for these companies.
If however, after considering the above disadvantages of companies who offers free credit check without card details and you do not want to use your credit card or debit card then you can visit www.annualcreditreport.co.uk for more information.
As we have compared the above 10 good reasons why companies who offers free credit check without card details are not advisable and why companies like Equifax, Experian & Callcredit offers are better and more secure to get free credit check with credit cards or debit cards required during subscription. So before you make a choice why not carefully consider the 10 valuable points as mentioned in this article to help you to get free credit check reports.