I recently got my credit score from Doddle, a UK based site which offers the service for free. The reason I did so was because in the next few years I aim to buy a house with my boyfriend and I wanted to be as proactive as I could in making sure I had the best possible chance of securing the mortgage I needed. I was pleasantly surprised to discover that although there is always room for improvement, it is very healthy.
I would encourage absolutely everyone to get their credit rating, which you can now actually do for free. Of course, if your credit score is bad, such credit score sites offer an inexpensive service that tells you how to get your rating healthy again. Although this does cost a small amount of money the service is invaluable and well worth doing if you have a bad rating or are looking to buy a house or take out credit in the near future.
To get your free credit report please click on the links below. Remember ignorance is only bliss so long as you don’t realize the hard way you were ignorant (like getting rejected for a car loan or mortgage for example).
Noddle (UK credit score reports for life for free)
Credit Karma (USA credit score reports for life for free)
Have you checked your credit score? Do you suspect you have a less than healthy score, if so are you relieved it’s within your control to improve it? Do you have an action plan to make your credit rating higher? Please share your thoughts in the comments below to gain encouragement, insight and support from our community, we’d love to hear from you.