As a financial customer your borrowing history is kept on record for future lenders to access when deciding a) if you are eligible to borrow, and b) the rate of interest offered on a loan, credit card or mortgage.
If you are late with a payment on a loan or mortgage your credit status is updated and next time you try to borrow it may be determined that your credit worthiness is not good enough to secure a loan or credit card (or the rate of interest you are offered is less favourable).
Credit Expert, the online credit monitoring and identity protection service from Experian offers a 30 day free trial . To find out more click below. You can then check that your enquiries haven’t been misinterpreted as applications for credit and that any footprints make it clear you were only asking for quotes. And if there is a problem, CreditExpert will help you to set the record straight.
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