Your credit score is an estimate of your borrowing potential. It is based on analysis of your financial position and credit history. Calculated by reporting agencies, your score gives lenders an evaluation of your creditworthiness - that is, how risky it is to lend to you. It also provides you with an idea of your chance of loan success.
Enter your contact details below, and we'll check your credit score for free. So you can see what the lenders see, when you apply for a loan or finance. Viewing your credit file can help you see any issues you may have on the report. We can then help you get them fixed, to improve your loan chances, and for better loan rates or terms.
Find out your credit score with a free credit check. It's fast and easy. Also, it won't affect your credit rating.
A free credit check is a service that allows you to view the information contained in your credit report at zero cost to you. This includes details about your credit history, such as the loans you've had, how well you've managed your debts, and any credit inquiries made on your account.
To request a free credit check fast, simply complete the form on this page. We just need some basic information about you to pull up your credit report. It's a quick and easy process.
Once you have filled out the form, we can usually provide your credit report within 24 hours. We’ll get in touch with you to review your report, as soon as possible.
Checking your credit score is important for understanding your financial health. It lets you know how creditworthy you appear to lenders, which can affect whether you're approved for loans and the interest rates you're offered. Also, regularly checking your credit report allows you to spot any errors that could be negatively impacting your score and identify any fraudulent activities.
Yes, it's a good idea to check your credit score before you apply for a car loan. Your credit score can play a big role in determining whether you get approved and what kind of interest rate you're offered. If your credit score is strong, you'll be in a better position to negotiate favourable terms. If you have bad credit or have recently had your application rejected, knowing your credit score, will give you the chance to take steps to improve it.
Here at Rapid Finance, we're more than happy to guide you through your credit report, explain what it means, and offer tips to help rectify problems on your report. A better credit score can open up better loan options for you, so it's definitely worth checking out before you apply for a car or vehicle loan with bad credit!
Yes, our credit check service is completely free. It is a free service with absolutely no hidden charges or fees associated with it.
No, checking your credit through our service will not impact your credit score. We can view the report in the same way that you view it, which means it's considered a 'soft' inquiry and does not negatively affect your score.
This differs from when lenders view your credit file, which is considered a 'hard' inquiry, as it will be recorded on your credit file. Too many hard inquiries may negatively affect your credit score, so it is important to keep loan applications to a minimum.
It's a good practice to check your credit report at least once or twice a year. This allows you to stay up-to-date with your credit status and immediately spot and correct any inaccuracies that may negatively impact your credit score. If you have any 'bad credit 'marks on your file, it is useful to check the report more regularly, perhaps every other month, so you can see the effect of improvements you are making.
If you are looking for a first home buyer loan then it is good practice to monitor your credit file more frequently, as you start saving for your deposit. A good deposit, plus a good credit file, will help you to secure the best first time home loan available to you.
Your credit report includes a variety of information related to your credit history. This includes your personal identification information, details of credit accounts (like loans and credit cards), the amount of credit you have available, your payment history, any bankruptcies or defaults, and any recent inquiries made by lenders.
If you find errors in your credit report, it's a good opportunity to use our service. With over 20 years of experience assisting customers with bad credit, our team at Rapid Finance can guide you through the process of disputing and rectifying the errors. This can involve contacting the credit bureau and/or the organisation that provided the incorrect information to correct the issue.
Understanding your credit report is the first step to improving your credit score. A better score often leads to better loan rates, as it signals to lenders that you're a lower risk. Once you understand what's in your report, you can take steps to improve your credit standing, such as clearing outstanding debts, making timely payments, and maintaining a low balance on credit cards. At Rapid Finance, we can help you understand your report and work with you to develop a plan to improve your credit.