Credit Expert from Experian The UK’s #1 Credit Agency.

 

The whole idea of having full and unrestricted access to your own credit history and seeing what a lender see’s is a smart move for the average Joe or Jo-Anne.

Who says you can’t have something for nothing?

Credit Expert from Experian is the UK’s Number 1 online credit monitoring and identity fraud protection service and you now have the offer of a Totally FREE Credit Report with your 30 day trial account? 

Nothing to worry about…

You might be wondering, even worrying that if you check your own  credit history you might somehow  jeopardise the score? No need to worry because it won’t have any effect on it.

Why check your report at all?

Well you can quickly see what your credit history says and look for any inaccuracies in the records. If there are any problems then you can take the appropriate action –fast! You can also check for any unauthorised activity which might lead to Identity Fraud or even Identity Theft.  You can see a full record of who has accessed and checked your credit history.

Can I get Advice or Alerts?

The answers YES! You can get Identity Fraud alerts through either your email or SMS text messages. You can find out when your Credit Report has changed. You can get advice on your Credit Report and how to improve your own Credit Rating.

Just like the Football or Cricket… Know the Score!

The higher the score, the more favourable the interest rates are likely to be for you.  That will probably have a positive effect on any new credit applications – saving you money!

Go on – sign up for your FREE 30 day trial and you will be able to access records that look like this example which leaves nothing about your finances to chance:

1. Account information – The term “credit” covers every account that gives you something of value money, goods or services that you can use today, on the understanding that you will repay the lender at a later date. That’s why you’ll find items such as utility and mobile phone accounts here, as well as credit cards, loans and mortgages                        
2. Personal Information – Every account in your name will affect your credit rating, even if a criminal is impersonating you to borrow money. If you find any accounts you don’t recognise, you could already be a victim of identity fraud.    
3. Account Type – From catalogue shopping to a loan for furniture, you probably have many different types of credit account. Do you know how many credit cards you have sign up to?         
4. Balance Information – This entry shows the current balance of each account, the amount you have spent and not yet repaid. You’ll also find the date the account was opened.        
5. Defaulted Payment – Look out for an 8 when checking the account status, it means that a lender has terminated the account because you haven’t made payments and have failed to come up with a way of putting things right. A defaulted account stays on your record for six years and will lower your credit rating. 
6. Status History – Are you making your repayments on time and in full? Your status history shows whether you do. 

Work Smarter and not Harder!

Credit Expert can also save you a whole load of time (something we are all particularly short of) and trouble if you are unlucky enough to fall victim to Identity Fraud or Identity Theft.  CIFAS – The UK’s Fraud Prevention Service completed a recent report that found on average, it probably takes 15 months to actually discover that a client has been the victim of ID theft, followed by another 300 hours of aggravation and hassle to clear the problem – that’s over 37 days working full 8 hour days, just to get back to somewhere approaching normal again.

Stupid is as Stupid Does…

Now I’m sure you aren’t stupid or you wouldn’t be here reading this…am I right? Please believe me when I tell you it will be much simpler for you to take the right action before anything happens, and that means getting signed up to Credit Expert for your FREE 30 day trial, and see how easy it is to keep your identity safe and your life intact.

Take my word for it, the hassle just isn’t worth it – my son Josh has a short video just below, where he quickly describes his experience of ID Theft and Fraud which started in January 2009, and how this particlular bank refuses to accept his innocence even after almost two years of continuous hassle after they unlawfully passed his details over to the debt collectors. We have had visits to our home and lots of phone calls from five different debt collection agencies, many of them quite unpleasant people, all assuming that he is guilty. He has tried to get the banks fraud department to relook at the problem but they steadfastly refuse to talk to him.

 

What is being called ‘current address fraud’ (a type of identity fraud) has engendered greater levels of sophistication from the potential fraudsters. Current address fraud has reached an unpresidented 55% of the 2009 total for identity fraud, compared to a figure of 31% in 2008…that’s an incredible 78% increase in just 12 months. In fact 85% of all identity fraud is currently being completed using the mail order method.

Click here to go to the Credit Experts site now and…

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